Coming to Canada? Get Visitors to Canada Travel Insurance.

The cost of medical insurance for visitors to Canada can vary based on several factors, including:

• Whether you’re a visitor or a new immigrant awaiting a government health insurance plan
• How long you’ll be staying in Canada
• Your age and overall health
• The type of coverage you need (such as emergency medical or travel insurance for a super visa)
• The deductible selected
• How many people are being insured

Click here to get a free quote and explore a full range of visitors to Canada insurance plans.

Before getting insured, you must first qualify for a super visa by meeting certain eligibility criteria, such as having a child or grandchild in Canada who meets income requirements.

Once eligible, you’ll need to provide proof of private medical insurance that:

• Is from a Canadian insurance company (or a qualifying foreign insurer listed by the OFSI)
• Is valid for at least 1 year from your planned date of entry
• Covers healthcare, hospitalization and repatriation
• Provides at least $100,000 in coverage
• Is fully paid for (quotes aren’t accepted)

You’ll need to show this proof of your health insurance for visitors to Canada when you arrive.

For full details, please visit the Government of Canada website.

Super visa travel insurance is required for individuals who are applying for a super visa to visit Canada. The super visa is specifically designed for parents and grandparents of Canadian citizens or permanent residents. To be eligible for the super visa, applicants must meet certain requirements and must buy valid super visa travel insurance coverage. Having a visitors to Canada insurance plan is mandatory and must meet the minimum coverage criteria set by the Canadian government. It provides visitors with essential health coverage during their stay in Canada.

Having super visa travel insurance while in Canada demonstrates that visitors have adequate health coverage while visiting. It provides financial protection in case of unexpected medical emergencies, ensuring that visitors are not burdened with high healthcare costs.

What does a “pre-existing condition” mean?

Pre-existing condition means any sickness, illness, disease, symptom, or injury that existed or for which medication has been taken, received, or prescribed (including prescribed as needed), or for which treatment has been prescribed or received.

What classifies an “unstable pre-existing condition”?

An unstable condition is one where:

• There have been new symptoms or changes in symptoms
• Existing symptoms have become more frequent or severe
• A physician has found that the medical condition has become worse
• Test findings have shown that the medical condition may be getting worse
• A physician has provided, prescribed, or recommended any new medication, or any change in medication
• There has been hospitalization or referral to a specialist or specialty clinic
• A physician has advised a referral to a specialist or further testing, or there has been testing for which results have not yet been received

Yes, you can buy extra days of protection for your visitors to Canada insurance, providing there has been:

• No event that has resulted or may result in a claim against the policy, and
• No change in your health status.

However, you must call 1-800-268-3763 before your coverage expires or before the date you were scheduled to return home and pay the appropriate premium.

You may get a refund for the unused days of your trip if you return home before your scheduled return date provided that:

• You have not reported or initiated a claim
• You have not received any assistance services

10-Day Free Look – If you notify us within 10 days of your purchase date, as indicated on your confirmation, that you are not completely satisfied with your policy, we will provide a full refund on your visitors to Canada insurance—providing you have not already departed on your trip and there is no claim in progress. Additionally, you can request a refund after the 10-day period, as long as the coverage has not started. Refunds are only available when Manulife receives your request before your departure date.

As of January 28, 2025, Immigration, Refugees and Citizenship Canada (IRCC) has introduced a change to the super visa program by allowing applicants to purchase private health insurance from non-Canadian companies.

This change gives applicants more options to fulfill the health coverage requirement, as super visa applicants were previously required to purchase health insurance exclusively from Canadian providers.

Please note: The insurance companies outside of Canada must be authorized by the Office of the Superintendent of Financial Institutions (OSFI) to provide accident and sickness insurance.

While applicants can purchase and use health insurance from a company outside Canada, there are specific rules to ensure these policies are acceptable.

The insurance policy purchased from outside of Canada must:

• Be issued by a company authorized by the Office of the Superintendent of Financial Institutions (OSFI) to provide accident and sickness insurance
• Appear on OSFI’s list of federally regulated financial institutions
• Be issued under the company’s insurance business in Canada

Super visa holders must have valid health insurance for their entire stay in Canada. If the coverage expires before they leave, they will need to renew it. Private health insurance must be active and valid each time they enter Canada. These measures ensure that Super Visa holders have good health coverage while visiting Canada.