How much visitors insurance do I need?

Most advisors recommend at least $100,000 in emergency medical coverage. The right amount depends on the visitor's age, health, and length of stay.

Can I buy visitors insurance after arriving in Canada?

Yes, most insurers allow you to purchase coverage after arrival, though there may be a waiting period of 48–72 hours before coverage begins for non-emergency conditions.

Visitors to Canada Insurance | Shivang Goyal Insurance

Q: Do visitors to Canada need health insurance?

Yes. Visitors to Canada are not covered by provincial health care plans. Visitors to Canada insurance covers emergency hospitalization, doctor visits, and prescription drugs during their stay.

Who Needs Visitors Insurance?

Canada's healthcare system does not cover visitors, new immigrants, or people on work/study permits who haven't yet qualified for provincial health coverage. A single emergency room visit in Canada can cost $3,000–$10,000+ without insurance.

Tourists and family visitors to Canada
New immigrants waiting for provincial health coverage
Returning Canadians not yet covered by OHIP
Work permit and study permit holders
People between jobs or coverage gaps

📋 What's Covered?

Emergency hospitalization & surgery
Doctor visits & specialist referrals
Ambulance services
Prescription drugs (emergency)
Dental emergencies
Medical evacuation & repatriation

🔒 Independent Comparison

I compare GMS, Tugo, Blue Cross, Manulife, Allianz, TravelShield, Insure Canada, Secure Travel, Truestone, Destination Travel, Discover Canada and more — so you get the right plan at the lowest rate.

How Much Does It Cost?

Premiums vary based on age, length of stay, coverage amount, and pre-existing conditions. Here are typical monthly ranges:

Under 40

~$30–$60/mo

$100,000 coverage · healthy applicant

40–60 Years

~$60–$120/mo

$100,000 coverage · stable health

60+ Years

~$120–$300+/mo

Varies by health history & coverage

These are estimates only. Contact me for an accurate quote based on your situation.

Frequently Asked Questions

Do visitors to Canada need health insurance?

Yes. Visitors to Canada are not covered by any provincial health plan. Without insurance, a single emergency room visit can cost $3,000–$10,000 or more out of pocket.

How much coverage do I need?

Most advisors recommend a minimum of $100,000. For longer stays or older visitors, $150,000–$300,000 gives better peace of mind and often isn't much more expensive.

Can I buy coverage after arriving in Canada?

Yes, but there's usually a waiting period of 48–72 hours before coverage begins. It's always better to buy before departure to ensure full coverage from day one.

Are pre-existing conditions covered?

Some plans cover stable pre-existing conditions. The definition of "stable" varies by insurer — I'll review your situation and find the right plan that covers your specific health history.

What does Visitors to Canada Insurance cover?

It typically covers emergency hospitalization, physician visits, ambulance, prescription drugs during emergencies, dental emergencies, and repatriation. Coverage limits and inclusions vary by plan.

Can I extend my visitors insurance policy?

Yes, most policies can be extended before they expire, as long as no claims have been made and the visitor hasn't left Canada. It's important to extend before the policy ends — not after.

Is visitors insurance refundable if they leave early?

Most policies offer a pro-rated refund for unused days if the visitor returns home early and no claims have been made. Terms vary by insurer.

How quickly can a policy be issued?

In most cases, same-day. I can get a policy issued and emailed to you within hours of your request.

Visitor Insurance,
done right.

How can I help you?

Who Needs Visitors Insurance?

📋 What's Covered?

🔒 Independent Comparison

How Much Does It Cost?

Under 40

40–60 Years

60+ Years

Frequently Asked Questions

Get Your Best Rate

Visitor Insurance

Super Visa Insurance

Compare & Save

Visitor Insurance,done right.

How can I help you?

Who Needs Visitors Insurance?

📋 What's Covered?

🔒 Independent Comparison

How Much Does It Cost?

Under 40

40–60 Years

60+ Years

Frequently Asked Questions

Get Your Best Rate

Visitor Insurance

Super Visa Insurance

Compare & Save

Visitor Insurance,
done right.