Visitors to Canada Travel Medical Insurance

Visitors to Canada Insurance Plans from Canadian Insurance Providers

Whether you're a visitor, immigrant, returning Canadian, foreign worker, or visiting on a super visa, you can find your best Visitors to Canada medical insurance plan right here, and you will be protected from the cost of medical emergencies while in Canada.
Canadian insurance companies offer Visitors to Canada plans with and without coverage for pre-existing medical conditions. If you have a pre-existing medical condition, learn how Visitors to Canada Medical Insurance Covers Pre-Existing Medical Conditions.
There is no age limit to apply for Visitors to Canada insurance. Whether you are over 70, 80, 85, or even 90 years old, you are welcome to apply for coverage when traveling to Canada.
For Family rates (3 or more family members), please enter date of birth of the eldest adult
Which Visitors to Canada Insurance Plan Is the Cheapest?
To find your affordable plan , simply get instant online quotes for Visitors to Canada Insurance from reliable Canadian providers such as Manulife, TuGo, Allianz, 21st Century, and more using our Online Quote Calculator. Compare prices, review plan details, and select the one that best suits your budget and requirements.
Once you have selected your Visitors medical insurance plan, you can purchase it instantly online directly from the insurance provider or complete an application form, and we will assist you with the process.
Which Visitors to Canada Plan Is the Best for You?
Insurance plan details can vary between insurance providers. If you're looking for Visitors to Canada insurance that best fits your health situation, need help with the application process, or would like a customized quote, you can request your Personalized Quotes via Email.
For assistance, please call at
416- 493-0101,
1-877-443-0101
Just provide details about the applicants and their trip, such as the Canadian province, length of stay, and desired coverage amount. You will receive your personalized quotes by the end of the same business day.
Additionally, for certain plans, a monthly payment option may be available.
There is no age limit to apply for Visitors to Canada insurance. Whether you are over 70, 80, 85, or even 90 years old, you are welcome to apply for coverage when traveling to Canada.
Who Can Apply for Visitors Insurance
Visitors to Canada Insurance is designed for:
•  Travelers,  tourists visiting Canada,
• New immigrants (permanent residents, landed immigrants, newcomers) who are awaiting government health care coverage,
• Returning Canadians and Canadian citizens who are not eligible for a government health care plan,
• Foreign workers (work permit holders), participants of the International Experience Canada program (IEC),
• International Students studying in Canada (students can also apply for  Student Medical insurance),
• Parents and grandparents applying for Super Visa.
All Visitors to Canada health (medical) insurance plans offered on this website meet the requirements for Super Visa application  for parents and grandparents visiting Canada. FOR MORE INFORMATION >>.
Hospitals can charge thousands of dollars per day. If you and your family are not covered under a Provincial Health Insurance program and do not have private health insurance, you and your family could be responsible for these medical expenses, which creates a severe financial burden
When your parents, relatives, or friends plan to visit you in Canada, take care of purchasing Visitors Insurance. You can select from the following plans:
What Visitors to Canada Medical Insurance covers
Visitors to Canada Medical Insurance covers medical and related expenses up to the coverage limits for an unexpected, unforeseen sickness or injury that occurred during the period of coverage and requires immediate medical treatment.
Benefits:
Visitors medical insurance benefits usually include:
   - hospitalization and medical services (inpatient and outpatient) at the time of an emergency,
   - diagnostic tests required by a physician,
   - use of licensed ambulance services,
   - medications prescribed by a physician,
   - accidental dental and dental emergency,
   - repatriation,
   - return you home if recommended by your attending physician, and more.
Payment for each benefit is limited to the amount specified in the policy, and these benefit limits may vary among different plans.
Pre-existing medical conditions may be covered provided these conditions are stable as it is defined in the policy.
Pregnancy: TuGo Visitors insurance pays up to a maximum of $6,000 for pre-natal care, delivery, provided the pregnancy commenced after the effective date of the policy.
Sports & Activities Coverage: TuGo Visitor insurance offers optional coverage for risky sport activities, such as Hang gliding/paragliding, Rock climbing, Rock climbing, and more.
Visitors Insurance Key Features
Amount of coverage (Sum Insured)
Amount of coverage (or Aggregate Policy Limit or Sum Insured) means the maximum amount the insurance company will pay you regardless of the  cost  of Insured Services received by you. Insurance companies issue Visitors insurance policies with Amount of coverage from $10,000 to $500,000.
Period of coverage
You can buy Visitors to Canada insurance for any number of days up to 365 days. Option for 18 month coverage is also available. If you need longer coverage, you can reapply as long as you are eligible for this insurance. You also have the option to buy medical insurance for two years, when you apply for a  monthly payment Visitors to Canada insurance plan with the 21st Century Travel.
Deductible
Deductible: Deductible means the portion of eligible expenses you must pay from your own pocket when a claim occurs. The higher deductible, the less insurance cost: discount may be 5% - 40% depending on the deductible amount and the plan. When applying for medical insurance, you can choose one of the following deductible amounts: $0, $75, $100, $250, $500, $1,000, $3,000, $5,000, $10,000.
Family coverage
Family coverage (for 3 or more family members) is available with many insurance providers. The premium for Family coverage is calculated at two times the premium for the eldest adult. Some insurance companies offer a 5% discount for coverage for a couple.
When to Buy Visitors to Canada Insurance
It's advisable to purchase Visitors to Canada insurance before departing from your home country for the following reasons:
• With some insurance plans, when coverage is purchased prior to leaving home with an effective date equal to the date and time you are scheduled to arrive in Canada, coverage will also be provided with no additional premium during your uninterrupted flight directly to Canada. An uninterrupted flight can include a stop-over provided you do not leave the airport.  Alternatively, certain plans allow coverage to begin on your departure date from your home country.
• Policies purchased after departure from home country or after arrival in Canada (depending on the plan), or after expiry of your existing policy may have a waiting period, when premiums are paid, but sickness manifested itself during this period is not covered, even if related expenses are incurred after this period. Waiting period may be the first 3 - 7 days of your policy period.
How to Extend Your Coverage
If you decide to stay in Canada longer than planned, you can extend your coverage, provided you make your request before the expiry date of your existing policy, you have had no change in your health status, and have had no event that has resulted or may result in a claim since the effective date of insurance. Otherwise, the extension is subject to the approval of the insurer.
If an extension has been authorized, there would be no coverage for subsequent claims related to the medical condition or symptoms for which a claim has been or will be submitted or for which treatment was received or required before the effective date of the extension.
Return Home Early or Get Provincial Health Care Coverage
If you return home or obtain a Canadian government health plan  before the policy expiry date, you can ask for a refund of the premium for the unused days, provided you have not reported or initiated a claim. . You will need to provide proof of the date you actually returned home or the effective date of your Canadian government health insurance plan coverage.
Coverage for Pre-Existing Medical Conditions
Pre-existing condition means a sickness, injury, or medical issue, including undiagnosed symptoms existing before your coverage begins. It may be high blood pressure, diabetes, heart condition, lung disease, etc.
Visitors to Canada medical insurance may cover stable pre-existing conditions, meaning the policy pays for emergency medical expenses if the condition remains STABLE within a specified stability period before the policy effective date or departure from home country, depending on the plan.
Stability periods vary depending on the plan, typically 90, 120, or 180 days, during which no new symptoms, medications, alterations, hospitalizations, or new treatments occur. 7-day and 30-day stability period riders are available at additional cost.
Ensure your understanding of how your chosen policy covers pre-existing conditions, especially if you take medications. Contact us for consultation before purchasing insurance.    FOR MORE INFORMATION >>
What Is Not Covered under Visitors to Canada Insurance
Visitors to Canada insurance does not cover everything. This policy has exclusions, conditions, and limitations.
Here are some of the most common exclusions that can be found in Visitors insurance policy: 
     - pre-existing medical conditions that do not meet the stability requirements stated in the policy;
     - regular check-ups, ongoing care, elective (non-emergency) treatment;
     - any medical condition for which future investigation or treatment was planned prior to the policy effective date;
     - medications, treatment, appliances or devices used for regular monitoring or maintaining any pre-existing condition;
     - routine prenatal care and childbirth, if pregnancy commences prior to the effective date of the policy;
    - any expenses incurred during trips undertaken for the purpose of receiving a diagnosis of medical treatment;
     - loss, death or injury that is contributed to by the abuse of drugs, alcohol or any other intoxicant;
     - high-risk activities and professional sports.
Refer to the policy wording for a full list of exclusions and limitations of the policy you are going to apply for.
What to Do if You Need Medical Assistance
In the event of sickness or injury which may result in claim, you or somebody else must call the insurer’s Assistance Centre at the telephone numbers shown on your policy confirmation. Call as soon as possible: some benefits must be authorized and arranged by the company.   When contacting the Assistance Centre, you need to provide your name, your policy number, your location and the nature of your emergency.
To make a claim for benefits under this policy, you will need to send a completed claim form to the insurer's Assistance  Centre (usually, within 30 days after the expense or loss is occurred). All claims must be supported by original receipts and other documentation that may be required or requested by the Assistance Centre.

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