Visitors to Canada Insurance
When family or friends visit you in Canada, they're not covered by provincial health insurance. Visitors to Canada insurance provides essential emergency medical coverage, so a medical emergency doesn't become a financial crisis.
Protect Your Loved Ones While They Visit
What is visitors to canada insurance?
When family or friends visit you in Canada, they're not covered by provincial health insurance. Visitors to Canada insurance provides essential emergency medical coverage, so a medical emergency doesn't become a financial crisis.
Quick Reference
Is this right for you?
Parents visiting from abroad
Coverage for hospital stays, physician services, diagnostic tests, and emergency treatments that can cost tens of thousands without insurance.
Relatives coming for family events
Coverage for emergency prescription medications needed during the visit.
Friends visiting on vacation
Transportation to appropriate medical facilities or repatriation to home country if medically necessary.
New immigrants waiting for provincial coverage
Daily rates starting around $2/day make protecting your visitors an easy decision.
Temporary foreign workers
Explore this coverage option.
International students' visiting family
Explore this coverage option.
How it works
Visitor Details
Provide your visitor's age, country of origin, and visit dates for an instant quote.
Coverage Selection
Choose coverage amount and any pre-existing condition options needed.
Quick Purchase
Buy online or by phone. Policy documents are emailed immediately.
Visitor Arrives Protected
Coverage begins on arrival. We provide emergency contact information for their wallet.
What to expect
What This Covers
- Emergency medical coverage up to $300,000
- Hospital and physician services
- Diagnostic services (X-rays, lab tests)
- Prescription drug coverage
- Emergency dental for pain relief
- Medical evacuation/repatriation
- Coverage for all ages
- Pre-existing condition options
×Common Exclusions
- ×Pre-existing conditions (waiting periods may apply)
- ×Material misrepresentation on application
- ×Conditions outside policy terms
Protecting Ontario families with thoughtful coverage since 1999.
How we compare
As an independent broker, Michael compares policies across multiple carriers to find the best coverage and pricing for your specific situation.
Working with an independent broker means seeing the full market — not just what one insurance company wants to sell you.
Frequently asked
Purchase before your visitor arrives in Canada. Coverage for pre-existing conditions typically requires purchase before arrival. Even if they're already here, you can still purchase coverage for the remainder of their stay.
Many policies offer pre-existing condition coverage if conditions have been stable for 90-180 days. Options vary by age and health status. We help find policies with the best pre-existing condition terms.
Most insurers offer coverage for visitors of all ages, including those 80+. Premiums increase with age, and some conditions may be excluded for older visitors, but coverage is generally available.
Coverage can usually be extended before the original policy expires, as long as no claims have been made. Contact us to arrange an extension before the current coverage ends.
No, visitors to Canada insurance covers emergencies only—unexpected illness or injury requiring immediate treatment. Routine checkups, elective procedures, and ongoing treatment for existing conditions are not covered.
Let's discuss visitors to canada insurance.
Reach out for a private consultation — no obligation.