Visitors Insurance
in Canada
As a licensed brokerage, EGE Insurance provides emergency medical coverage for visitors, parents, relatives, and newcomers to Canada. We compare 15+ Canadian insurers so that you get the right plan - furthermore, we offer flexible coverage, zero deductible options, and same-day protection where available.
Let's Get Started
Tell us a little about yourself and, as a result, we will prepare your personalized Visitors Insurance quote from 15+ Canadian insurers. Furthermore, a licensed advisor will be available to answer any questions you have along the way.
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A licensed EGE Insurance advisor may call to answer your questions. We’re here to help, not to sell.
Why families trust EGE Insurance
Why It Matters
Everything You Need to Know About Visitors Insurance in Canada
We compare visitors insurance plans from top Canadian insurers and, furthermore, explain coverage clearly so that you can select the right policy for your situation with confidence.
Why Visitors Insurance Matters
Visitors are not covered by provincial healthcare plans such as OHIP. Moreover, even people who later qualify often face a waiting period of up to 3 months. Therefore, the right policy protects against large out-of-pocket medical costs.
- Covers unexpected emergency medical bills
- Supports access to care during a visit
- Reduces financial uncertainty for families
How EGE Insurance Helps
As a licensed brokerage, we compare plans from leading Canadian insurers and, furthermore, explain deductibles in plain language so that you can select coverage based on trip length, health history, and budget.
- Clear comparisons and expert guidance
- Support for zero-deductible options
- Fast support for policy documents
What Plans May Include
Coverage depends on the insurer and policy selected. However, most visitors insurance plans focus on emergency medical services while in Canada, and some plans also include additional travel benefits.
- Emergency medical treatment
- Hospitalization & physician services
- Ambulance & medical transportation
Medical Costs in Canada
What Uninsured Visitors Pay Out of Pocket
Because Canada's provincial healthcare does not cover foreign visitors, you will be billed directly for any medical care you receive. The following costs are based on provincial health authority billing schedules and are therefore what you could face without coverage. Even a minor incident, such as a broken bone, can consequently result in a bill of $10,000 or more.
| Medical Service | Estimated Cost Without Insurance | Covered by Visitors Insurance? |
|---|---|---|
| Emergency Room Visit | $1,000 – $2,000 | ✓ Yes |
| Hospital Stay (per night) | $5,000 – $15,000 | ✓ Yes |
| Ambulance | $500 – $1,500 | ✓ Yes |
| X-Ray / CT Scan / MRI | $500 – $3,000 | ✓ Yes |
| Surgery | $10,000 – $50,000+ | ✓ Yes |
| Air Ambulance / Evacuation | $20,000 – $100,000+ | ✓ Yes |
| Walk-in Clinic Visit | $40 – $70 | Varies by plan |
| Prescription Medications | $50 – $500+ | ✓ Emergency prescriptions |
*Costs are approximate and vary by province, facility, and treatment required. Source: provincial health authority billing schedules and industry data (2025–2026).
Pricing Guide
How Much Does Visitors Insurance Cost in Canada?
On average, visitors insurance in Canada costs between $69 and $324 per month for $100,000 in coverage without pre-existing conditions. Specifically, the price depends on your age, trip duration, coverage amount, deductible, and health history. In general, younger travellers pay significantly less, while seniors over 60 pay more because the statistical risk of a medical event increases with age.
Why Does Price Vary So Much?
Because every visitor has a different health profile and trip length, insurers price policies individually. For example, a healthy 30-year-old visiting for 30 days pays far less than a 70-year-old with pre-existing conditions visiting for six months. As a result, comparing quotes from multiple insurers - as EGE Insurance does - is the most effective way to find the right price.
| Age Group | 30-Day Policy ($100K coverage) | 6-Month Policy ($100K coverage) | Pre-existing Conditions |
|---|---|---|---|
| Under 40 | $50 – $100/month | $45 – $90/month | Usually included |
| 40 – 54 | $80 – $160/month | $70 – $140/month | Usually included |
| 55 – 64 | $120 – $240/month | $110 – $220/month | Often included if stable |
| 65 – 74 | $180 – $350/month | $160 – $320/month | Plan-dependent |
| 75+ | $260 – $400/month | $230 – $400/month | Limited options |
*Rates are indicative ranges based on $100,000 coverage and a $0 deductible, no pre-existing conditions. Actual prices vary by insurer, exact age, health profile, and trip length. Get a quote for exact pricing.
What affects your visitors insurance price?
- Age - the biggest cost driver; premiums roughly double between age 55 and 75
- Trip duration - longer stays cost more in total, though monthly rates often drop
- Coverage amount - $100K, $150K, $300K, or $500K options available
- Deductible - a higher deductible lowers your monthly premium significantly
- Pre-existing conditions - plans that cover stable conditions cost more than those that exclude them
- Insurer - prices vary widely between companies for the same coverage
Pro Tip
Choose the right deductible to save money
A deductible is the amount you pay first before the insurer covers the rest. For example, choosing a $500 deductible instead of $0 can reduce your monthly premium by 20–40%, depending on the insurer and your age. As a result, many healthy visitors choose a higher deductible to lower their overall cost.
However, if your parents are elderly or have health concerns, a $0 deductible plan may therefore be worth the higher premium for full peace of mind.
Compare Plans & PricesPlan Comparison
Compare Top Visitors Insurance Plans in Canada (2026)
Not all visitors insurance plans are equal. Consequently, comparing insurers on coverage limits, stability periods, deductible options, and monthly payment availability is essential before you buy. EGE Insurance does this comparison for you - however, the table below gives you a head start.
Side-by-Side Insurer Comparison
| Insurer | Max Coverage | Stability Period | Monthly Payments | Zero Deductible | Super Visa Eligible |
|---|---|---|---|---|---|
| Manulife | $200,000 | 180 days | ✓ Yes | ✓ Yes | ✓ Yes |
| Allianz | $200,000 | 180 days | ✓ Yes | ✓ Yes | ✓ Yes |
| TuGo | $200,000 | 90–180 days (age-dependent)* | ✓ Yes | ✓ Yes | ✓ Yes |
| Blue Cross | $200,000† | 90 days (under 55) / 180 days (55–79) | ✓ Yes | ✓ Yes | ✓ Yes |
| GMS | $200,000 | 90 days (Standard) | ✓ Yes | ✓ Yes | ✓ Yes |
| Travelance | $200,000 | 180 days | ✓ Yes | ✓ Yes | ✓ Yes |
| 21st Century | $200,000 | 180 days (Enhanced) | ✓ Yes | ✓ Yes | ✓ Yes |
*TuGo stability period varies by age: 90 days (under 60), 120 days (60–69), 180 days (70–85), 365 days (86+); optional 7-day unstable pre-existing rider available. †Blue Cross $200,000 max available up to age 74. Plan details subject to change - always confirm with your EGE Insurance advisor before purchasing.
How to Choose the Right Plan for Your Family
Because plan features differ between insurers, the right choice depends on your visitor's age, health history, and how long they plan to stay. For instance, a healthy visitor under 40 may be best served by a basic low-cost plan, while a senior with stable conditions will therefore need an enhanced plan with pre-existing condition coverage. In either case, EGE Insurance compares your options and guides you to the right fit.
Not sure which insurer is right for you?
Because every family's situation is different, EGE Insurance reviews your specific needs - including age, health history, and trip length - and consequently matches you to the plan most likely to provide the right coverage at the right price. In short, you get expert guidance at no extra cost.
Coverage Details
What Visitors Insurance May Cover
Depending on the policy, visitors insurance can help with eligible emergency expenses and services during a stay in Canada. In addition, some plans extend protection to certain non-emergency situations and travel benefits. Moreover, the right plan gives your family peace of mind for the entire duration of the visit.
Common Covered Services
Who Typically Needs Visitors Insurance
- Parents and grandparents visiting Canada
- Relatives and friends visiting from abroad
- Newcomers during provincial coverage waiting periods
- Tourists visiting for short or extended stays
- Anyone requiring medical protection during a visit
- Return of remains when applicable
- Expenses for an accompanying person if included
Coverage is subject to policy terms, exclusions, eligibility, and insurer approval. Contact EGE Insurance to confirm what your specific plan covers.
Pre-Existing Conditions
Visitors Insurance with Pre-Existing Conditions
Many visitors insurance plans cover stable pre-existing conditions - however, the rules vary significantly by insurer. Consequently, choosing the wrong plan can result in a denied claim when you need it most. Therefore, EGE Insurance reviews your health history and identifies which insurers are most likely to provide coverage. In short, working with an advisor makes all the difference.
A condition is generally considered stable when there has been no change in medication, treatment, or symptoms within a defined period before the policy start date. This period is called the stability period and, as a result, it varies from 90 to 365 days depending on the insurer. Therefore, understanding this requirement before you buy is critical.
Why the Stability Period Matters
Because each insurer defines stability differently, a condition that qualifies for coverage under one plan may be excluded by another. For example, GMS requires only 90 days of stability on its Standard plan, while 21st Century requires 365 days. As a result, working with an advisor who understands these differences is essential for families with health concerns.
Stability Period by Insurer (2026)
| Insurer | Standard Plan | Enhanced Plan |
|---|---|---|
| GMS | 90 days | 180 days |
| Manulife | 180 days | 180 days |
| Allianz | 180 days | 180 days |
| TuGo | 90–180 days (age-dependent)* | 7-day rider available |
| Blue Cross | 90 days (under 55) / 180 days (55–79) | 180 days |
| Travelance | 180 days | 180 days |
| 21st Century | 365 days | 180 days |
*Stability periods and coverage rules change. Always confirm with your EGE Insurance advisor before purchasing.
Conditions that may be covered when stable
- High blood pressure (hypertension)
- Type 2 diabetes
- High cholesterol
- Stable heart conditions
- COPD / asthma (stable)
- Arthritis
- Depression / anxiety (stable)
Important
The right insurer matters
If your visitor has pre-existing conditions, the wrong plan could result in a denied claim. Therefore, EGE Insurance matches your family’s health history to the insurer most likely to provide coverage. In addition, we handle the comparison so you don’t have to.
Get a Quote - We’ll Find the Right PlanKnow the Difference
Visitors Insurance vs. Super Visa Insurance
Understanding which coverage applies to your situation ensures you get the right protection. In fact, using the wrong type of policy can affect your visa application or result in a denied claim. Therefore, knowing the difference before you buy is essential.
Visitors Insurance
This coverage is designed for tourists, relatives, and newcomers to Canada. Moreover, it offers flexible coverage options for short or extended stays with no specific visa requirements.
- Flexible coverage amounts available
- Suitable for tourists and general visitors
- Various plan durations available
- No minimum coverage requirement
- Starting from approximately $50/month
Super Visa Insurance
Super Visa insurance is specifically required for eligible parents and grandparents applying for a Super Visa. Furthermore, it must meet specific IRCC minimum coverage and policy requirements.
- Minimum $100,000 medical coverage required
- Must be from a Canadian insurance company
- Valid for at least 1 year from entry
- Refundable if visa is refused
- Monthly payment options available
Not sure which applies? EGE Insurance can help confirm the right option for your visa type.
View Super Visa InsuranceGot Questions?
Visitors Insurance - Frequently Asked Questions
Coverage, Cost & Eligibility Questions Answered
Does provincial healthcare cover visitors to Canada?
How much does visitors insurance cost in Canada?
Is visitors insurance required in Canada?
What's the difference between visitors and Super Visa insurance?
More Common Questions About Visitors Insurance
What is a deductible and how does it affect my premium?
Can I get coverage for pre-existing conditions?
How much visitors insurance coverage do I need?
Can I buy visitors insurance after arriving in Canada?
Compare Visitors Insurance Plans Today
As a licensed brokerage, EGE Insurance shops visitors insurance plans from 15+ top Canadian insurers so that you can compare options and consequently pick coverage that fits your visit, health history, and budget. In addition, our licensed advisors are available to guide you every step of the way.
