INTERNATIONAL EXPERIENCE CANADA
HOSPITAL & MEDICAL INSURANCE

Participants in the International Experience Canada (IEC) program must show proof of health insurance at the Canadian border, which will cover them during their stay in Canada.
How Much Does IEC / Working Holiday Visa Health Insurance Cost?
On this page, you can calculate your instant quotes ONLINE for various Visitors to Canada Health Insurance plans that satisfy the IEC Health Insurance requirements. Depending on the length of your work permit, you can apply for the policy, which provides coverage for up to one year or two years. For two-year stay in Canada, you can consider a 2-year policy, or you can get 2 consecutive policies instead.
Affordable monthly payment insurance plans are available for coverage of $100,000 or greater and period of coverage from 6 months to 24 months.
IEC (Working Holiday) Health Insurance requirements
The Health Insurance must:
•

cover medical care, hospitalization and repatriation;

•

cover the entire time you’re in Canada.

You don’t need to have health insurance when you apply for IEC, but you do need to have it before you arrive in Canada. You may be refused entry if you don’t have insurance.
If your insurance policy is valid for less time than your expected stay in Canada, you may be issued a work permit that expires at the same time as your insurance. If this happens, you won’t be able to apply to change the conditions of your work permit later.
All plans quoted below include:
•

Medical care if you got sick or injured;

•

Hospitalization and services in the hospital;

•

Ambulance to transport you to the nearest medical service provider;

•

Repatriation

       - Expenses to bring you home for further treatment,

       - Repatriation of mortal remains.

Please refer to the Policy Wording for details on the coverage provided, conditions, and exclusions.

Calculate the Cost of Insurance

Amount of Coverage, CAD:

Coverage for Pre-existing Medical Conditions:

Plans WITHOUT Coverage for Pre-existing Medical Conditions

Plans WITH Coverage for Pre-existing Medical Conditions

Insurance Providers

Deductible, CAD:

Buy / Apply Online

Travelance 

Essential Plan

Premier Plan

180-day stability period for coverage for Pre-existing medical conditions.
Benefits
Emergency Hospital and medical, emergency return home: included (up to the maximum benefit amount)

Side Trips

This policy covers the emergency medical expenses you incur during a side trip outside Canada that begins in Canada during your Period of Coverage. Each side trip is restricted to a maximum of 45 days. If you have a claim outside Canada, the number of covered days in Canada must be more than 50% of the total covered days elapsed at the time of the claim.

Trip Break

A temporary return to your home country suspends coverage until you return to Canada.

Activity Coverage Exclusions:

An emergency resulting from following activity EXCLUDED from the policy:

- orbital or sub-orbital flights;

- participation in organized professional sporting activities;

- driving a motorcycle, moped, or scooter (unless you hold an applicable valid Canadian driver’s license);

- piloting an aircraft or air travel on any air supported device other than as a fare-paying passenger on a flight operated by a common carrier;

- riding, driving or participating in races of speed or endurance;

- participating in all-terrain vehicles (ATV), bungee jumping, hang-gliding, heli-skiing, hot air ballooning, hunting, mountain climbing, parachuting, paragliding, rock climbing (not mountaineering), scuba diving (unless qualified and not diving deeper than 130 feet), skydiving.

Refund:

Unless you have not reported a claim under this policy, a premium refund for unused days will be allowed. If cancel your policy before your expiry date to return to your home country $50 fee will be deducted.

If you obtained Canadian government health insurance coverage…

Coverage ends on the date and time you become insured under a provincial or territorial government health care plan. In this case, you can apply for a partial refund for unused period of time, provided there is no claim in the policy.

21st Century

Basic Plan

Enhanced Plan

180-day stability period for coverage for  pre-existing medical conditions.
Benefits
Emergency Hospital and medical, emergency return home: included (up to the maximum benefit amount)

Side Trips

This insurance provides coverage when you are travelling in any other country (excluding your country of origin). The maximum number of combined days you can be covered in any other country before, during or after your visit to Canada must not exceed 30 days in total within a 365-day period.

Trip Break

If you hold a multiple-entry visa (such as an IEC Work Permit) and return to your country of origin without cancelling your policy, your coverage will be suspended while you are in your country of origin and will resume when you return to Canada.

Activity Coverage Exclusions:

An emergency resulting from following activity EXCLUDED from the policy:

- mountain climbing requiring the use of specialized equipment, including carabiners, crampons, pick axes, anchors, bolts and lead-rope or top- rope anchoring equipment to ascend or descend a mountain;

- rock-climbing;

- parachuting, skydiving, hang-gliding or using any other air-supported sporting device;

- participating in a motorized speed contest including training activities;

or your professional participation in a sport, snorkeling or scuba-diving when that sport, snorkeling or scuba-diving is your principal paid occupation.

Refund:

A partial refund of the unused premium amount with proof of return to your country of origin provided that there has been no claim paid or denied.

If you obtained Canadian government health insurance coverage…

You can cancel your policy and apply for a partial refund from the first day you become insured under a government health insurance plan, provided there is no claim in your policy.

If you choose not to cancel your policy, this policy will continue to provide eligible benefits that are not covered by your government health insurance plan.

TuGo Visitors

with Sport Rider
90-day stability period for coverage for pre-existing medical conditions included.
Optional: 7-day stability period.
Benefits
Emergency Hospital and medical, emergency return home: included (up to the maximum benefit amount)

Trip Break

Visits to your country of permanent residence are permitted; your Policy will not terminate, however, expenses will not be covered while in your country of permanent residence.

Side Trips

Travel worldwide during the period of coverage is valid as long as the majority of the period of coverage is spent in Canada and you have travelled to Canada first before taking additional trips outside of Canada.

Optional Sport Coverage / Additional Charge

Activity Coverage and Optional Sport Coverage

If a sport or activity is not listed in the Sports & Activities Coverage and is not listed as an exclusion, coverage is already available under this plan without the purchase of this optional coverage.

If you do plan to participate, train or practice for any of the sports or activities listed below, and you want to be covered for them, simply add all the ones that you need. You only need to pay for the sport or activity with the highest premium charge.

- depends on Coverage and Age. See price on TuGO website.

Excluded Activities:

Your participating, training or practicing in any areas that have been closed off to public access and/or can typically only be accessed by crossing a fenced, gated or roped-off area that has been marked as off limits according to recommendations of safety authorities in the area for the following activities:

Your participating in, training or practicing for any of the following sports or activities:

Refund:

If you obtain Canadian government health insurance plan coverage, or return Home before the expiry date, a partial refund less an administration fee is available.

If you obtained Canadian government health insurance coverage…

Coverage ends on the date and time you become insured under a provincial or territorial government health care plan. In this case, you can apply for a partial refund for unused period of time, provided there is no claim in the policy.

TrueNorth

Visitors

Standard Plan

180-day stability period for coverage for pre-existing medical conditions included.
Optional: 30 or 90-day stability periods.
Benefits
Emergency Hospital and medical, emergency return home: included (up to the maximum benefit amount)

Side Trips

This insurance provides coverage while travelling outside Canada (excluding Your Home country), as long as each side-Trip originates and terminates in Canada and does not exceed 51% of the period of coverage spent in Canada and can not exceed 30 days.

Trip Break

You may return Home during Your coverage period without terminating Your coverage. Your coverage will be suspended but will not terminate after You leave Canada and while You are Home. Your suspension of coverage will end and Your coverage will be reinstated when You arrive in Canada. Your arrival back in Canada must occur during the original Trip period. There will be no refund of premium for any of the days during Your return Home.

Activity Coverage Exclusions:

An emergency resulting from following activity EXCLUDED from the policy:

- professional or competitive sports;

- any race or speed contest;

- gliding, hang-gliding;

- rock climbing;

- mountain-climbing which involves the ascent or descent of a mountain requiring the use of specialized equipment including but not limited to crampons, pick-axes, anchors, bolts, carabiners and lead or top-rope anchoring equipment;

- mountaineering;

- spelunking;

- rafting;

- acrobatic skiing or snowboarding (including kitesurf);

- bungee jumping;

- parachuting or other aerial activities;

- underwater activities using a breathing apparatus (except snorkelling);

- any activities requiring that the insured person signs an accident waiver and release of liability form or any behaviour involving risk, including but not limited to not following security requirements, not obeying warning signs or being in restricted zones.

Refund:

If you obtain Canadian government health insurance plan coverage, or return Home before the date You were scheduled as per Your Confirmation, and have not reported or initiated a claim or been provided with any assistance services, a partial refund of the premium for the unused days of Your Trip is available less a $50 fee.

If you obtained Canadian government health insurance coverage…

Coverage ends on the date and time you become insured under a provincial or territorial government health care plan. In this case, you can apply for a partial refund for unused period of time, provided there is no claim in the policy.

This website is owned and operated by Natalia Tatchkova, a member of the Financial Advisors Association of Canada, a life & health insurance broker licensed in  Ontario, Alberta, British Columbia, Manitoba, New Brunswick, Nova Scotia, Newfoundland & Labrador, Prince Edward Island, Saskatchewan and authorized to offer and sell insurance products from a variety of Canadian insurance providers.

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