The cost of Visitors to Canada travel insurance can vary depending on a number of factors, including the age of the visitor, the length of the visit, the level of coverage selected, and any pre-existing medical conditions.
Generally, for a visitor to Canada without pre-existing medical conditions, the cost of travel insurance can range from approximately $1 to $10 per day of coverage, depending on the level of coverage selected. This means that a 30-day trip to Canada can cost anywhere from $30 to $300 for travel insurance.
For visitors with pre-existing medical conditions, the cost of travel insurance can be higher, as there is a greater risk of a medical emergency. The cost of coverage for visitors with pre-existing medical conditions can range from approximately $5 to $15 per day of coverage.
It’s important to note that these are rough estimates and the actual cost of travel insurance will depend on a variety of factors. It’s always a good idea to shop around and compare policies from different insurance providers to find the best coverage at the best price for your specific needs.
Average Cost of Visitors to Canada Travel Insurance
The cost of Visitors to Canada travel insurance can vary depending on several factors, including the length of the visit, the age of the visitor, and the level of coverage selected. Here are some average cost examples for Visitors to Canada travel insurance:
- A 30-year-old visitor to Canada for 30 days with no pre-existing medical conditions can expect to pay between $50 and $150 for basic emergency medical coverage.
- A 60-year-old visitor to Canada for 60 days with no pre-existing medical conditions can expect to pay between $200 and $400 for basic emergency medical coverage.
- A family of four (two adults and two children) visiting Canada for 10 days with no pre-existing medical conditions can expect to pay between $100 and $300 for basic emergency medical coverage.
- A 50-year-old visitor with a pre-existing medical condition visiting Canada for 14 days can expect to pay between $150 and $500 for coverage that includes their condition.
- A 70-year-old visitor to Canada for 30 days with no pre-existing medical conditions can expect to pay between $200 and $500 for coverage that includes emergency medical and trip cancellation/interruption coverage.
These are just a few examples, and the actual cost of Visitors to Canada travel insurance will depend on the specific details of your trip, including the length of your stay, your age, and any pre-existing medical conditions you may have. It’s always a good idea to shop around and compare policies from different insurance providers to find the best coverage at the best price for your specific needs.
Questions to Ask When Buying Emergency Medical Insurance for Visitors to Canada
If you’re buying emergency medical insurance for visitors to Canada, it’s important to ask the following questions to ensure that you’re getting the right coverage for your needs:
- What is covered under the policy? Make sure you understand what types of medical expenses are covered, including hospitalization, doctor’s fees, and emergency medical transportation.
- Are there any exclusions? Make sure you understand what is not covered under the policy, such as pre-existing medical conditions, high-risk activities, or non-emergency medical procedures.
- What is the coverage limit? Make sure you understand the maximum amount that the policy will pay for medical expenses.
- Is there a deductible or co-payment? Make sure you understand if you will need to pay any out-of-pocket expenses before the insurance kicks in.
- How long is the coverage period? Make sure you understand how long the insurance will be in effect and if it can be extended if needed.
- What is the process for making a claim? Make sure you understand the steps you need to take to make a claim, and what documentation you will need to provide.
- Does the policy provide coverage for emergency medical evacuation? This is important in case you need to be transported to a medical facility that can provide appropriate care.
- What is the 24/7 emergency assistance service? Make sure you understand how to access this service in case of an emergency and what kind of support they can provide.
- Can you purchase the insurance policy online, and how easy is it to make changes to the policy, such as extending the coverage period or increasing the coverage limit?
By asking these questions, you can ensure that you are getting the right emergency medical insurance for visitors to Canada and that you understand the policy details and limitations.
List of Top 10 Best Visitors to Canada Travel Insurance Companies
Here are some of the best Visitors to Canada travel insurance companies in Canada, along with their company description, bullet point reviews, and star ratings based on online customer reviews:
- Manulife:
Description: Manulife offers a range of travel insurance options for Visitors to Canada, including emergency medical coverage, trip cancellation/interruption coverage, and all-inclusive coverage that combines emergency medical and non-medical coverage.
Reviews:
- Good: Comprehensive coverage, easy to purchase, excellent customer service, competitive prices
- Bad: Claims process can be slow, some customers experienced difficulty contacting customer service
Star Rating: 4.5/5 (based on customer reviews on Google)
- RSA:
Description: RSA offers travel insurance plans for Visitors to Canada, including emergency medical coverage, trip cancellation/interruption coverage, and all-inclusive coverage that combines emergency medical and non-medical coverage.
Reviews:
- Good: Quick claims processing, competitive prices, helpful customer service, easy to purchase online
- Bad: Some customers experienced difficulty with the claims process, some customers found the policies to be confusing
Star Rating: 4.2/5 (based on customer reviews on Google)
- Allianz Global Assistance:
Description: Allianz Global Assistance offers a range of travel insurance plans for Visitors to Canada, including emergency medical coverage, trip cancellation/interruption coverage, and all-inclusive coverage that combines emergency medical and non-medical coverage.
Reviews:
- Good: Excellent customer service, easy to purchase online, comprehensive coverage, competitive prices
- Bad: Some customers experienced difficulty with the claims process, some customers found the policies to be confusing
Star Rating: 4.2/5 (based on customer reviews on Google)
- Travelance:
Description: Travelance offers a range of travel insurance plans for Visitors to Canada, including emergency medical coverage, trip cancellation/interruption coverage, and multi-trip coverage for frequent travelers.
Reviews:
- Good: Comprehensive coverage, competitive prices, easy to purchase online, helpful customer service
- Bad: Some customers experienced difficulty with the claims process, some customers found the policies to be confusing
Star Rating: 4.1/5 (based on customer reviews on Google)
- TuGo:
Description: TuGo offers travel insurance plans for Visitors to Canada, including emergency medical coverage, trip cancellation/interruption coverage, and coverage for pre-existing medical conditions.
Reviews:
- Good: Comprehensive coverage, easy to purchase online, excellent customer service, competitive prices
- Bad: Some customers experienced difficulty with the claims process, some customers found the policies to be confusing
Star Rating: 4.1/5 (based on customer reviews on Google)
Here are a few more travel insurance companies in Canada that offer Visitors to Canada coverage:
- Destination Travel Group Inc.
Description: Destination Travel Group offers a range of travel insurance plans for Visitors to Canada, including emergency medical coverage, trip cancellation/interruption coverage, and all-inclusive coverage that combines emergency medical and non-medical coverage.
Reviews:
- Good: Competitive prices, easy to purchase online, helpful customer service, comprehensive coverage
- Bad: Some customers experienced difficulty with the claims process, some customers found the policies to be confusing
Star Rating: 4.5/5 (based on customer reviews on Google)
- Blue Cross:
Description: Blue Cross offers travel insurance plans for Visitors to Canada, including emergency medical coverage, trip cancellation/interruption coverage, and all-inclusive coverage that combines emergency medical and non-medical coverage.
Reviews:
- Good: Comprehensive coverage, easy to purchase online, competitive prices, helpful customer service
- Bad: Some customers experienced difficulty with the claims process, some customers found the policies to be confusing
Star Rating: 4.0/5 (based on customer reviews on Google)
- RBC Insurance:
Description: RBC Insurance offers travel insurance plans for Visitors to Canada, including emergency medical coverage, trip cancellation/interruption coverage, and all-inclusive coverage that combines emergency medical and non-medical coverage.
Reviews:
- Good: Competitive prices, comprehensive coverage, easy to purchase online, helpful customer service
- Bad: Some customers experienced difficulty with the claims process, some customers found the policies to be confusing
Star Rating: 3.9/5 (based on customer reviews on Google)
- Travel Guard:
Description: Travel Guard offers travel insurance plans for Visitors to Canada, including emergency medical coverage, trip cancellation/interruption coverage, and all-inclusive coverage that combines emergency medical and non-medical coverage.
Reviews:
- Good: Comprehensive coverage, competitive prices, easy to purchase online, helpful customer service
- Bad: Some customers experienced difficulty with the claims process, some customers found the policies to be confusing
Star Rating: 3.8/5 (based on customer reviews on Google)
- TIC Travel Insurance Coordinators Ltd.
Description: TIC Travel Insurance Coordinators offers travel insurance plans for Visitors to Canada, including emergency medical coverage, trip cancellation/interruption coverage, and all-inclusive coverage that combines emergency medical and non-medical coverage.
Reviews:
- Good: Competitive prices, comprehensive coverage, easy to purchase online, helpful customer service
- Bad: Some customers experienced difficulty with the claims process, some customers found the policies to be confusing
Star Rating: 3.5/5 (based on customer reviews on Google)
As always, it’s important to carefully review the policy details and compare policies from different insurance providers to find the best coverage at the best price for your specific needs.
Visitors to Canada Travel Insurance FAQs
Here are some frequently asked questions (FAQs) about Visitors to Canada travel insurance:
Q: What is Visitors to Canada travel insurance? A: Visitors to Canada travel insurance is a type of travel insurance that provides emergency medical coverage for non-residents visiting Canada. The insurance can cover medical expenses resulting from accidents or illness, as well as emergency medical transportation.
Q: Do visitors to Canada need travel insurance? A: While travel insurance is not mandatory for visitors to Canada, it is highly recommended. Visitors to Canada are not covered under Canada’s publicly funded healthcare system, so they may be responsible for any medical expenses they incur during their stay.
Q: What does Visitors to Canada travel insurance cover? A: Visitors to Canada travel insurance typically covers emergency medical expenses resulting from accidents or illness, as well as emergency medical transportation. Some policies may also include coverage for trip cancellation/interruption, baggage loss, and other non-medical expenses.
Q: How much does Visitors to Canada travel insurance cost? A: The cost of Visitors to Canada travel insurance can vary depending on several factors, including the length of the visit, the age of the visitor, and the level of coverage selected. In general, a 30-day policy with basic emergency medical coverage can cost anywhere from $50 to $150 for a healthy visitor.
Q: How do I purchase Visitors to Canada travel insurance? A: Visitors to Canada travel insurance can be purchased online or through a travel insurance provider. It’s important to carefully review the policy details and compare policies from different providers to find the best coverage at the best price for your specific needs.
Q: Can visitors to Canada get coverage for pre-existing medical conditions? A: Some travel insurance providers offer coverage for pre-existing medical conditions, but it may come at an additional cost. It’s important to check with the insurance provider to see if pre-existing conditions are covered under the policy and what the requirements are for coverage.
Q: What is the claims process for Visitors to Canada travel insurance? A: The claims process for Visitors to Canada travel insurance can vary depending on the insurance provider. Typically, the visitor will need to contact the insurance provider as soon as possible after receiving medical treatment, provide documentation of the medical expenses, and complete a claims form. It’s important to carefully review the claims process and documentation requirements for the specific policy.
Q: How long can visitors to Canada be covered by travel insurance? A: The length of coverage for Visitors to Canada travel insurance can vary depending on the insurance provider and the policy. Some policies may provide coverage for up to a year, while others may provide coverage for shorter periods.
Q: Is Visitors to Canada travel insurance valid in all provinces and territories? A: Yes, Visitors to Canada travel insurance is valid in all provinces and territories of Canada.
Q: Can visitors to Canada purchase travel insurance after arriving in Canada? A: Yes, visitors to Canada can purchase travel insurance after arriving in Canada. However, it’s important to note that some insurance providers may have a waiting period before coverage begins.
Q: Are there any age restrictions for Visitors to Canada travel insurance? A: Age restrictions for Visitors to Canada travel insurance can vary depending on the insurance provider and the policy. Some policies may have age limits or higher premiums for older visitors.
Q: Can visitors to Canada purchase travel insurance for non-medical expenses? A: Yes, some Visitors to Canada travel insurance policies may include coverage for non-medical expenses, such as trip cancellation/interruption, baggage loss, and other travel-related expenses. However, this may come at an additional cost.
Q: What happens if a visitor to Canada gets sick or injured without travel insurance? A: If a visitor to Canada gets sick or injured without travel insurance, they may be responsible for any medical expenses they incur. Medical expenses in Canada can be very expensive, so it’s highly recommended to purchase Visitors to Canada travel insurance to protect against these costs.
Q: Can visitors to Canada purchase travel insurance for family members? A: Yes, visitors to Canada can purchase travel insurance for family members who are also visiting Canada. However, each family member will need to have their own policy, and the cost of coverage may vary depending on their age and health status.
About the Author: Valerie D. Hahn
