Compare Visitor Insurance Plans in Canada
Two plans with a similar price can be very different in deductible, age limits and how they treat pre-existing conditions. Our quote form puts plans from several insurers on one page so you can compare them properly.
Depending on the traveller's age and health, you may see plans from Manulife, TuGo, GMS, Destination Canada, Travelance, JF and Travel Shield.
Visitor Insurance for Pre-Existing Medical Conditions
A pre-existing medical condition does not automatically rule out visitor insurance. Some plans cover a condition when it has been stable for the period the insurer requires.
“Stable” has a specific meaning in each policy. It usually means no new symptoms, no new diagnosis or treatment, no change in medication or dose, and no hospital stay or new tests for that condition during the stability period before the policy starts.
Insurers treat conditions such as diabetes, high blood pressure, high cholesterol and heart conditions differently, so the policy wording of the plan you choose decides what is covered.
How Much Does Visitor Insurance Cost in Canada?
The price depends on the traveller's age, how long they are staying, the coverage amount, the deductible and whether pre-existing conditions are covered.
- Age: the older the traveller, the higher the premium.
- Length of stay: more days cost more.
- Coverage amount: the quote form offers $25,000, $50,000 and $100,000.
- Deductible: a higher deductible usually lowers the premium.
- Pre-existing condition coverage: the price and who qualifies differ from plan to plan.
Visitor Insurance for Parents and Visitors Over 70
Emergency care in Canada is expensive without insurance, which makes coverage especially important for parents, grandparents and other older visitors. Visitors over 70 can still get insurance. The plans available and the price depend on age, length of stay, coverage amount, deductible and medical history.
For an older traveller, look closely at the pre-existing condition rules, coverage limits, deductible and exclusions.
Visitor Insurance in Ontario
Visitors to Ontario are not covered by OHIP, so private visitor insurance is what pays for a medical emergency during their stay. Waiting periods, exclusions and pre-existing condition rules differ from plan to plan.
Get a Visitor Insurance Quote
A general estimate will not tell you much. Enter the traveller's date of birth and travel dates in the quote form above to see real prices. Then compare the price together with the coverage limit, deductible, exclusions and pre-existing condition rules before you buy.
Visitor Insurance Questions & Answers
Can I buy visitor insurance after arriving in Canada?
Yes, depending on the insurer and plan. A waiting period may apply when you buy after arrival, so check the terms of the plan you choose.
How much does visitor insurance cost in Canada?
It depends on the traveller's age, how long they need coverage, the coverage amount, the deductible and the type of plan. Use the quote form above to see actual prices.
Can visitors over 70 get visitor insurance in Canada?
Yes. Certain insurers offer plans for visitors over 70. The price, medical questions and pre-existing condition coverage differ by insurer and plan.
Does visitor insurance cover pre-existing medical conditions?
Yes, some plans do, as long as the condition meets the insurer's stability and eligibility rules. Always read the policy wording of the plan you choose.
Can diabetes or high blood pressure be covered?
They can be, on certain plans, when the policy's requirements are met. Do not assume a condition is covered just because it has been stable; check the plan's definition.
Can I pay for visitor insurance monthly?
Yes, on eligible plans. The terms depend on the insurer and plan.
What visitor insurance coverage amount should I choose?
The quote form offers $25,000, $50,000 and $100,000. Choose based on the traveller's age, health and length of stay, and compare what each option costs.
What deductible should I choose?
A higher deductible usually lowers the premium, but you pay that amount yourself when you make an eligible claim. Pick a deductible you could comfortably pay.
Can I get a refund if I return home early?
Yes, a partial refund may be available when you go home early, under the insurer's cancellation and refund rules. A cancellation fee applies, and partial refunds are not available if a claim has been or will be submitted to the insurer.
How do I compare visitor insurance quotes in Canada?
Enter the traveller's details in the quote form to see the available plans. Compare the price together with the coverage limit, deductible, exclusions and pre-existing condition rules before you buy.
