Best Visitors Insurance Companies in Canada for Emergency Medical Coverage (2024)
If you’re planning a trip to Canada, visitors insurance will help you avoid having to pay out-of-pocket if something unexpected happens, like if you need medical care or if you need to return home early. But it can be hard to know which insurance policy you should buy. So, we did the research for you to find the top 10 Best Travel Insurance For Visitors to Canada.
- What is visitors to Canada insurance?
- Why do visitors to Canada need travel insurance?
- The best visitors insurance in Canada
- Manulife - Best for Comprehensive Coverage
- Tugo - Best for Pre-Existing Conditions
- Allianz - Best for International Students
- GMS - Best for Super Visa Insurance
- Travelance - Best for Monthly Payment Plans
- 21st Century - Best for Long Stays
- Destination Canada - Best for Convenience
- MSH - Best for Side Trips
- 21st Century - Best for Companion Discounts
- Secure Travel - Best for Customizable Deductibles
- Alberta Blue Cross - Best for Medical Coverage
- RBC Insurance - Best for Travel Delays
- How to choose the best travel insurance policy?
- Who should buy Visitors to Canada (VTC) insurance?
Travel insurance is an important part of staying protected on any trip, and people visiting Canada have a lot of choice! When deciding what kind of travel plan you need, it can be tricky to know where to start. Which Canadian provider is reliable? Who has the best rates? Who has the most choice? How’s someone who’s never been to Canada supposed to know?
Worry not! Your trusty friends at PolicyAdvisor are experts in travel insurance and we put together a list of the 10 Best Travel Insurance For Visitors to Canada just for you! We rank the top choices, list the pros and cons of each, and provide some useful product information to help you choose the plan that would best cover you and your family.
What is insurance for visitors to Canada?
Visitors to Canada insurance refers to travel insurance you can get for a trip to Canada. It helps to pay for unexpected costs that you might have before or during your trip. There are lots of different types of travel insurance, but most people get visitors health insurance or travel medical insurance to pay for health care costs if they need medical care while they’re in Canada.
What does visitors insurance cover?
Depending on what type of policy you choose, Canadian visitors insurance can cover:
✅ Medical expenses
- Emergency doctor or hospital visits
- Emergency dental care
- Prescription drugs
- Travel accident
- Ambulance transportation
- Repatriation
- And more
✅ Non-medical expenses
- Trip cancellation
- Trip interruption (ending a trip early)
- Flight delays
- Hotel/accommodation costs
- Extra meal costs
- Adventure sports
- And more
✅ Super visa
- Meets the requirements of the Canadian super visa program for parents and grandparents
Why do visitors to Canada need travel insurance?
Visitors to Canada should get travel insurance to avoid having to pay a lot of money if something unexpected happens on their trip. It helps you travel with peace of mind and enjoy your time up north without worrying about what would happen in an emergency.
Think of it this way: a flight delay could cost you hundreds in hotel fees and meal expenses that you didn’t expect to pay. One trip to the doctor in Canada could cost you thousands — Canada’s government health insurance plan won’t cover any bills for visitors, and insurance from your home country won’t cover you either. But visitors insurance doesn’t cost a lot and can help make sure you don’t get stuck with any unexpected bills.
Most visitors to Canada aren’t required to get travel insurance to come to Canada, except for super visa holders. But we strongly recommend that you get visitors insurance for your trip — it’s well worth the peace of mind!
What affects travel insurance costs?
Several factors influence travel insurance costs:
- Age: Older travellers typically pay higher premiums due to increased health risks
- Destination: Countries with higher healthcare costs or greater travel risks may result in higher premiums
- Trip duration: Longer trips generally incur higher costs
- Coverage limits: Policies with higher coverage limits for medical expenses and trip cancellations may cost more
- Health condition: Pre-existing medical conditions may increase premiums or limit coverage
- Activities: Engaging in high-risk activities like skiing or scuba diving may raise premiums
- Policy Type: Comprehensive policies covering more aspects of travel tend to be more expensive
The best visitors insurance in Canada
At PolicyAdvisor.com, we work closely with more than 30 of Canada’s best insurance companies to provide tailored travel insurance options for visitors. In this article, we did the work of searching the market for you to find out who has the best deals. Based on our in-house research, we put together this list of the Canadian providers who have the absolute best visitors insurance to offer.
The 10 best travel insurance companies for visitors to Canada in 2024 are:
- Best travel insurance for comprehensive coverage: Manulife
- Best travel insurance for pre-existing conditions: Tugo
- Best travel insurance for international students: Allianz
- Best travel insurance for super visa: GMS
- Best travel insurance for monthly payment plans: Travelance
- Best travel insurance for long stays: 21st Century
- Best travel insurance for convenience: Destination Canada
- Best travel insurance for side trips: MSH
- Best travel insurance for companion discounts: 21st Century
- Best for customizable deductibles: Secure Travel
- Best for medical coverage: Alberta Blue Cross
- Best for travel delays: RBC Insurance
Best travel insurance for comprehensive coverage: Manulife
Visitors who want a travel insurance plan that covers all their bases can trust that Manulife will be one of their best choices. Or, if you’re not sure exactly what you need and you just want to get general travel insurance coverage that has a little bit of everything, their comprehensive plan is well-rounded enough to do that for you too.
With Manulife, you can get travel medical insurance by itself or as part of a package with trip interruption protection. They’re one of the only Canadian insurance companies that lets visitors do this. You can also use their travel insurance for your super visa. Plus, all of their plans cover things like stable pre-existing health conditions, side trips, travel accidents, and more.
There’s a reason why Manulife usually gets high ratings from us. They’re one of Canada’s oldest and biggest insurance companies, and they have really good insurance plans to fit people’s needs!
Product Name: Emergency Medical Plan for Visitors to Canada
Types of Coverage: Emergency medical + super visa + optional trip interruption
Maximum Amount of Coverage: $150,000 CAD
Age Range: 30 days to 85 years
Pre-existing Conditions Covered: Yes, if stable
Deductible Range: $0 – $5,000 CAD
Free Look: Yes, 10-day
Family Plans: Yes
Manulife travel insurance for visitors to Canada: Pros and cons
Pros | Cons |
---|---|
Non-medical coverage options available | No dedicated coverage for international students |
Covers stable pre-existing conditions | Adventure sports not included |
Can cover side trips | |
Can cover trip breaks | |
Travel accident coverage included | |
Automatic plan extension in emergencies | |
Refund options | |
24/7 emergency assistance | |
Digital e-policy |
Best travel insurance for pre-existing conditions: Tugo
If you’re coming to Canada and you already have a health condition, we strongly suggest that you get an insurance plan with Tugo. Like Manulife, Tugo is another well-known Canadian company that sells travel insurance. And they have the best plans for people who may have health concerns.
A pre-existing medical condition is a health issue that you already had before you got travel insurance. It refers to things like cancer, heart conditions, high blood pressure, obesity, and others. (Read our article about pre-existing medical conditions for a full list)
Some Canadian providers can cover pre-existing conditions as long as they’re stable. This means that it hasn’t gotten worse, needed a new diagnosis, or caused new symptoms in 90-180 days, depending on your insurance company’s rules. Tugo goes the extra mile. They have additional travel plans for visitors that can cover a pre-existing condition even if it’s not stable. This is an extremely rare insurance option for visitors to Canada.
Plus Tugo has some of the best coverage options. They’re one of the few that let visitors get non-medical forms of insurance for things like trip cancellation insurance. And they have a unique MyFlyt service that can compensate you for flight delays.
Product Name: Visitors to Canada Emergency Medical Insurance, Visitors to Canada Trip Cancellation & Trip Interruption Insurance, Visitors to Canada Trip Interruption Insurance
Types of Coverage: Emergency medical + super visa + trip cancellation/interruption + trip interruption + optional sports & adventure activities, accidental death & dismemberment, and unstable pre-existing conditions
Maximum Amount of Coverage: $500,000 CAD or $2,000,000 CAD for international students
Age Range: 15 days to 90+ years
Pre-existing Conditions Covered: Yes + optional coverage for unstable conditions
Deductibles: $0 – $10,000 CAD
Free Look: Yes, 10-day
Family Plans: Yes
Tugo visitors to Canada emergency medical travel insurance: Pros and cons
Pros | Cons |
---|---|
Several non-medical coverage options available | Additional cost for travel accident coverage |
Covers stable & unstable pre-existing conditions | |
Can cover side trips | |
Can cover trip breaks | |
Automatic plan extension in emergencies | |
Refund options | |
Special coverage for international students | |
Digital account access & e-policy | |
Unique digital wallet & e-claims | |
Unique MyFlyt service for flight delays | |
24/7 emergency assistance |
Best travel insurance for international students: Allianz Global Assistance
Many international students in Canada get their own travel medical insurance policy to cover anything their school’s health plan doesn’t cover. This means things like covering them for winter and summer holidays, or for any side trips they take outside of the province or country too. And Allianz travel insurance is the best choice.
Allianz has the best plans for international students in Canada. They actually have a unique package just for international students. And they have the highest coverage amount for students too — they’ll cover up to $5 million for medical emergencies. Their plans can be a little pricey, but they’re a reputable company and their plans are worth it.
Product Name: Visitors to Canada Plan, International Students to Canada Travel Insurance
Types of Coverage: Emergency medical + super visa
Maximum Amount of Coverage: $100,000 CAD or $5,000,000 CAD (international students)
Age Range: 15 days to 84 years
Pre-existing Conditions Covered: Limited; up to age 59 only, if stable
Deductibles: $0 CAD
Free Look: Yes, 10-day
Family Plans: No
Allianz visitors to canada travel insurance: Pros and cons
Pros | Cons |
---|---|
Can cover side trips | Can be expensive |
Can cover trip breaks | Limited deductible options |
Special coverage for international students | Partial refunds only |
Travel accident coverage included | Limited coverage for pre-existing conditions |
24/7 emergency assistance | Limited non-medical coverage options |
High coverage limit for students | Adventure sports not included |
Digital e-policy | No automatic extension in emergencies |
Best travel insurance for super visa: Group Medical Services (GMS)
GMS is our top recommendation for people who are travelling to Canada on a super visa. (Read our guide to Canadian Super Visa Insurance to learn more about the program.) Its plans meet the requirements of the program, and it has well-rounded coverage options.
Their Immigrants & Visitors to Canada Insurance covers stable pre-existing conditions and has excellent coverage for seniors. It also has a fair range of deductible options and decent coverage amounts if you need something a bit more than the $100,000 limit. And their rates are affordable too!
Product Name: Immigrants & Visitors to Canada Insurance
Types of Coverage: Emergency medical + super visa
Maximum Amount of Coverage: $150,000 CAD
Age Range: 0 to 80 years
Pre-existing Conditions Covered: Yes, if stable
Deductibles: $0 – $1,000 CAD
Free Look: Yes, 10-day
Family Plans: No
GMS immigrants & visitors to Canada travel insurance: Pros and cons
Pros | Cons |
---|---|
Covers stable pre-existing conditions | Limited travel accident coverage |
Can cover side trips | Limited non-medical coverage options |
Automatic plan extension in emergencies | No dedicated coverage for international students |
Refund options | Adventure sports not included |
24/7 emergency assistance | Limited availability in some provinces |
Digital e-policy |
Best travel insurance for monthly payment plans: Travelance
Travelance is one of the few Canadian companies that lets you pay for super visa insurance monthly instead of paying for everything at once. And, as far as we’re concerned, it’s the best if you want a plan specifically to pay monthly.
The reason we recommend Travelance so highly is in the details. It lets you get 3 follow-up doctor visits within a 30-day period, covering up to $3,000 worth of related costs. Most providers don’t cover follow-up visits this much. It also has great coverage for prescription drugs and really high deductible options. This is fantastic health insurance for visitors to Canada if you do end up needing medical attention during your trip. And you don’t even have to pay for the entire thing upfront!
Product Name: Visitors to Canada Emergency Medical Insurance (VTC) Essential Plan or Premier Plan, International Student Travel Insurance (ISP) Smart Plan or Smart-Plus Plan
Types of Coverage: Emergency medical + super visa
Maximum Amount of Coverage: $150,000 CAD (visitors) or $2,000,000 CAD (international students)
Age Range: 14 days to 86 years
Pre-existing Conditions Covered: Limited; up to age 69 and only with premium plans, if stable
Deductibles: $0 – $10,000 CAD
Free Look: Yes, 10-day
Family Plans: Yes
Travelance visitors to Canada emergency medical travel insurance: Pros and cons
Pros | Cons |
---|---|
Can cover side trips | Limited coverage for pre-existing conditions |
Can cover trip breaks | Limited non-medical coverage options |
Travel accident coverage included | Adventure sports not included |
Automatic plan extension in emergencies | |
Refund options | |
Special coverage for international students | |
24/7 emergency assistance | |
Monthly payment options | |
Extensive emergency medical coverage | |
Digital e-policy |
Best travel insurance for long stays: 21st Century
If you plan to stay in Canada for long periods of time, we recommend that you get a visitors insurance plan with 21st Century. They have a rare upgrade feature that lets you extend your insurance plan for up to 2 years while keeping the exact same price. This makes it a great deal if you have long-term travel plans.
Their 2-year extension is perfect for people who apply for the 2-year extension for their super visa. Plus, 21st Century is another one of the few providers who lets you pay for super visa insurance monthly. They offer different levels of insurance to cover your trip, and you can choose higher or lower deductibles.
Product Name: Visitors to Canada Insurance Basic Plan, Standard Plan, or Enhanced Plan
Types of Coverage: Emergency medical + super visa
Maximum Amount of Coverage: $200,000 CAD
Age Range: 0 to 111 years
Pre-existing Conditions Covered: Yes, if stable (Enhanced Plan only)
Deductibles: $0 – $10,000 CAD
Free Look: No
Family Plans: Yes
21st Century visitors to Canada travel insurance: Pros and cons
Pros | Cons |
---|---|
Can cover side trips | Partial refunds only |
Can cover trip breaks | Limited coverage for pre-existing conditions |
Travel accident coverage included | Limited non-medical coverage options |
Automatic plan extension in emergencies | No dedicated coverage for international students |
24/7 emergency assistance | Adventure sports not included |
Monthly payment options | |
Unique two-year upgrade option | |
Digital e-policy |
Best travel insurance for convenience: Destination Canada
Destination Canada is a nice and simple option for visitors to Canada insurance. It’s the kind of insurance plan you can buy quickly without worrying too much. It will cover the basics for emergency medical — stable pre-existing conditions, super visa insurance, etc. And it can give you a lot more coverage than normal. It can even cover travellers who are over 86 years old. So, it’s a good click-and-buy choice.
On the downside, it doesn’t have the most comprehensive travel insurance policies. So, if you’re looking for things like trip cancellation insurance or coverage for extreme sports, this isn’t the best choice for you. It also has fairly low deductible options, only going up to $500 — and that matters because deductibles affect the price of travel insurance.
Product Name: Canada Visitors to Canada Plan, International Student Insurance
Types of Coverage: Emergency medical + super visa
Maximum Amount of Coverage: $300,000 CAD
Age Range: 0 to 86+ years
Pre-existing Conditions Covered: Limited; up to age 79 only, if stable
Deductibles: $0 – $500 CAD
Free Look: Yes, 10-day
Family Plans: Yes
Destination Canada visitors to Canada travel insurance: Pros and cons
Pros | Cons |
---|---|
Covers stable pre-existing conditions | Limited deductible options |
Can cover side trips | Limited coverage for pre-existing conditions |
Can cover trip breaks | Limited non-medical coverage options |
Travel accident coverage included | Adventure sports not included |
Automatic plan extension in emergencies | |
Refund options | |
Special coverage for international students | |
24/7 emergency assistance | |
Digital e-policy |
Best travel insurance for side trips: MSH
An MSH plan is the perfect travel insurance for international frequent flyers. Many Canadian insurance companies cover side trips once most of your time is spent in Canada. But they won’t cover trips outside of Canada more than 30 days at most. MSH doesn’t have this limit.
MSH doesn’t have restrictions on outside trips, so even if you spend an extended period of time in countries outside of Canada, you can still get coverage. Its plan also gives you a LOT of coverage and some of the highest deductible options around.
Product Name: Discover Canada Insurance, Patriot Travel Plan
Types of Coverage: Emergency medical + super visa
Maximum Amount of Coverage: $1,000,000 CAD
Age Range: 15 days to 90 years
Pre-existing Conditions Covered: Limited; up to age 80 only, if stable
Deductibles: $0 – $25,000 CAD
Free Look: No
Family Plans: Yes
MSH discover Canada travel insurance: Pros and cons
Pros | Cons |
---|---|
Can cover side trips | Limited coverage for pre-existing conditions |
Can cover trip breaks | Limited non-medical coverage options |
Travel accident coverage included | No dedicated coverage for international students |
Automatic plan extension in emergencies | Adventure sports not included |
Refund options | |
24/7 emergency assistance | |
Unique international travel coverage options | |
High coverage limit | |
Large deductible options | |
Digital e-policy |
Best travel insurance for companion discounts: 21st Century
The 21st Century travel insurance is a good choice if you’re not travelling alone. In Canada, many insurance companies have plans for families, which means you can get lower prices if you’re going on a trip with your close family or other dependents. 21st Century does that too, but it also gives discounts if your travel companion might not be in your family. So, if you and a few friends want to visit Canada and save money while making sure you’re protected, this insurance plan would be a smart option.
Product Name: Visitors to Canada Insurance Basic Plan, Standard Plan, or Enhanced Plan
Types of Coverage: Emergency medical + super visa
Maximum Amount of Coverage: $200,000 CAD
Age Range: 0 to 111 years
Pre-existing Conditions Covered: Yes, if stable (Enhanced Plan only)
Deductibles: $0 – $10,000 CAD
Free Look: No
Family Plans: Yes
21st Century visitors to Canada travel insurance: Pros and cons
Pros | Cons |
---|---|
Can cover side trips | Partial refunds only |
Can cover trip breaks | Limited coverage for pre-existing conditions |
Travel accident coverage included | Limited non-medical coverage options |
Automatic plan extension in emergencies | No dedicated coverage for international students |
24/7 emergency assistance | Adventure sports not included |
Monthly payment options | |
Unique two-year upgrade option | |
Digital e-policy |
Best travel insurance for customizable deductibles: Secure Travel
Visitors to Canada who want more deductible choices should think about getting a travel insurance policy from Secure Travel. A deductible is the amount you pay upfront before insurance pays for the rest. A higher deductible makes your insurance premium cost less, and vice versa. Secure Travel lets you customize a deductible up to $3,000, and that can help if you’re looking to lower the cost of travel insurance.
They also have a high travel medical insurance coverage limit. And has 2 tiers of plans, so you can decide how enhanced or how basic you want your travel insurance to be. You can get all of this plus good standard coverage for things like super visa insurance, pre-existing conditions, side trips, travel accident, and more.
Product Name: Visitors to Canada Insurance Standard or Enhanced Plan, Super Visa Insurance, International Student Insurance Standard, Enhanced, or Premium Plan
Types of Coverage: Emergency medical + super visa
Maximum Amount of Coverage: $1,000,000 CAD or $2,000,000 CAD for international students
Age Range: 15 days to 89 years
Pre-existing Conditions Covered: Yes, if stable
Deductibles: $0 – $3,000 CAD
Free Look: Yes, 10-day
Family Plans: Yes
Secure Travel visitors to Canada travel insurance: Pros and cons
Pros | Cons |
---|---|
Covers stable pre-existing conditions | Partial refunds only |
Can cover side trips | Limited non-medical coverage options |
Can cover trip breaks | Adventure sports not included |
Travel accident coverage included | |
Automatic plan extension in emergencies | |
Special coverage for international students | |
24/7 emergency assistance | |
High coverage limit | |
Monthly payment options | |
Digital e-policy |
Best travel insurance for medical coverage: Alberta Blue Cross
Alberta Blue Cross offers one of the best health insurance for visitors to Canada with emergency medical coverage, including hospital stays, physician services, prescription drugs, and emergency dental services. It also covers medical evacuation, trip interruption due to medical reasons, and 24/7 travel assistance.
Product Name: Travel Insurance
Types of Coverage: Emergency medical care, medical expenses if you test positive for COVID-19 during your trip, Accidental death and dismemberment, Baggage loss coverage
Maximum Amount of Coverage: $5,000,000
Age Range: 31 days to 74 years
Pre-existing Conditions Covered: Yes, if stable 90 days before departure
Deductibles: $0 – $1,000 CAD
Free Look: Yes, 10-day
Family Plans: Yes
Alberta Blue Cross visitors to Canada travel insurance: Pros and cons
Pros | Cons |
Extensive emergency medical care coverage (up to $5 million) | May not offer as comprehensive medical evacuation coverage compared to TuGo |
Includes coverage for COVID-19 related expenses | Baggage loss coverage may have limits |
Accidental death and dismemberment coverage | |
– Baggage loss coverage | |
– 24/7 travel assistance |
Best travel insurance for travel delays: RBC Insurance
RBC Insurance provides extensive travel delay coverage, reimbursing expenses incurred due to delays, including accommodation, meals, and transportation.
Product Name: TravelCare, Travel with Canada
Types of Coverage: Unlimited emergency medical care, trip cancellation and interruption, baggage loss, damage and delay, flight and travel accidents, hotel/motel burglary insurance, auto rental collision/loss damage waiver insurance
Maximum Amount of Coverage: $5,000,000
Age Range: 31 days to 74 years
Pre-existing Conditions Covered: Yes, if stable
Deductibles: $0 – $1,000 CAD
Free Look: Yes, 10-day
Family Plans: Yes
RBC Insurance travel insurance: Pros and cons
Pros | Cons |
– Strong coverage for travel delays, including accommodation and meals | – May not have as high coverage limits for emergency medical expenses compared to other providers |
– Includes trip cancellation and interruption coverage | – Focus on travel delays rather than medical emergencies |
– Comprehensive baggage loss and damage coverage | |
– Hotel/motel burglary insurance | |
– Auto rental collision/loss damage waiver insurance |
Tips to purchase visitor insurance for Canada
Here are some tips you should bear in mind:
- Assess your specific needs including medical coverage, trip cancellation, and baggage protection based on your travel plans
- Compare multiple insurance providers to find the best coverage options at competitive rates
- Read the policy exclusions carefully to understand what is not covered, such as pre-existing conditions or specific activities
- Ensure travellers have visitors to canada insurance before arriving to avoid gaps in coverage due to waiting periods
- Consider separate policies for two travellers to potentially benefit during claim or refund processes
- Opt for a policy with a small deductible to lower costs, focusing on major financial setbacks rather than minor incidents
How to choose the best visitor’s travel insurance policy in Canada?
To choose the best travel insurance for visitors to Canada, follow these steps:
- Assess your needs:
- Determine the length of your stay to choose a policy that covers the entire period
- Consider any pre-existing medical conditions and ensure the policy covers them
- If you plan on engaging in high-risk activities (e.g., skiing, scuba diving), ensure these are covered
- Compare coverage options:
- Ensure the policy offers sufficient coverage for emergency medical expenses, hospitalization, and outpatient services
- Check if the policy covers medical evacuation to the nearest medical facility or back home
- Look for coverage that reimburses non-refundable expenses if your trip is cancelled or interrupted due to covered reasons
- Ensure coverage for lost, stolen, or delayed baggage
- Check for compensation for expenses incurred due to travel delays
- Look for policies that offer round-the-clock assistance for medical emergencies, travel issues, and other support
- Check the policy limits and exclusions:
- Review the maximum payout limits for different types of coverage to ensure they are adequate
- Understand what is not covered by the policy, such as certain medical conditions, activities, or regions
- Speak to our advisors
- Compare quotes from multiple insurers to compare premiums and coverage details
- Ensure you’re comparing similar coverage levels and policy features
- Read the fine print:
- Carefully read the policy documents to understand all terms and conditions
- Ask questions if any part of the policy is unclear to ensure you fully understand what you’re purchasing
Who should buy Visitors to Canada (VTC) insurance?
Visitors to Canada (VTC) insurance is essential for several groups of people to ensure they have adequate coverage for medical emergencies and other unforeseen events while in Canada. Here are the primary groups who should consider purchasing VTC insurance:
- Tourists and vacationers: To cover medical emergencies, trip cancellations, and other travel-related issues
- International students: To cover healthcare costs not included in their school’s insurance plan
- Parents and grandparents: Especially those under the Super Visa program, which requires proof of medical insurance
- Business travellers: To cover any medical emergencies during their stay
- New immigrants: To cover the interim period before provincial health coverage takes effect
- Returning Canadians: If not immediately eligible for provincial health coverage
- Temporary foreign workers: To cover medical expenses and protect against high healthcare costs
- Event attendees: To cover medical emergencies while attending conferences, sports tournaments, or cultural festivals
Frequently-asked questions
Is travel insurance essential for visitors to Canada?
Yes, it is essential as it covers potential medical emergencies, trip cancellations, and unforeseen events, ensuring financial protection during your stay.
When does travel medical insurance coverage begin and end?
Coverage typically begins on the departure date specified in the policy and ends on the return date when you are back in your home country.
Can you extend your Visitors to Canada insurance coverage?
Yes, most insurers allow you to extend coverage if the request is made before the original policy expires, often subject to certain conditions.
What is a waiting period?
A waiting period is the initial time after the policy start date during which certain medical conditions or treatments are not covered.
How do you submit a travel insurance claim?
To submit a claim, contact your insurer, complete the claim form, and provide all necessary documentation, such as medical reports and receipts.
How do you apply for travel insurance to visit Canada?
You can apply online through an insurer’s website or via an insurance broker by providing your personal details, travel information, and payment.
Which company offers the best medical insurance for travel to Canada?
Manulife, TuGo, Destination Canada, and RBC offer comprehensive and affordable medical insurance for travel to Canada. However, we advise speaking with our advisors to choose the best visitor’s travel insurance policy for you.