Visitors to Canada Insurance: Compare Plans & Prices
Visitors to Canada are not covered by provincial health care, and a hospital stay can cost $3,000–$5,000 per day. Visitor insurance covers emergency medical care from about $2–$14 per day depending on age and coverage amount. Compare plans from major Canadian insurers below.
What visitor insurance covers
- Emergency hospitalization and physician fees
- Prescription medication for emergencies
- Diagnostics (X-ray, lab, MRI when required)
- Ambulance and paramedical services
- Repatriation home for medical treatment
- Optional: stable pre-existing conditions, side trips outside Canada
Daily rates by age
Official insurer daily rates without pre-existing condition coverage, $0 deductible (effective March 1, 2026):
| Age | $25,000 coverage | $100,000 coverage |
|---|---|---|
| 0-25 | $1.63 / day | $2.40 / day |
| 26-40 | $1.79 / day | $2.79 / day |
| 41-60 | $2.09 / day | $3.55 / day |
| 61-64 | $2.89 / day | $4.17 / day |
| 65-69 | $3.25 / day | $5.34 / day |
| 70-74 | $4.52 / day | $7.34 / day |
| 75-79 | $5.34 / day | $9.11 / day |
| 80-85 | $9.82 / day | $14.64 / day |
| 86+ | $15.02 / day | $23.42 / day |
Age 86+ carries a mandatory $500 deductible. Deductible options reduce premiums by 5–30%.
Insuring visiting parents or grandparents? See the dedicated visitor insurance for parents guide with prices by age and visit length — and the Super Visa insurance guide for year-long stays.
Frequently asked questions
How much does visitor to Canada insurance cost?
Visitor insurance for Canada typically costs $2 to $4 per day for travellers under 40, $3 to $6 per day for ages 41 to 60, and $8 to $14 per day for travellers over 70, based on $100,000 of emergency medical coverage.
Who needs visitor to Canada insurance?
Tourists, visiting family members, foreign workers waiting for provincial health coverage, international students without a school plan, and new immigrants in their waiting period all need visitor insurance, because Canadian provincial health plans do not cover visitors and hospital care can cost $3,000 to $5,000 per day.
Can I buy visitor insurance after arriving in Canada?
Yes, most Canadian insurers let you buy visitor insurance after arrival, but a waiting period of 48 hours to 7 days for sickness coverage usually applies when you buy after entering Canada. Buying before departure avoids any waiting period.
Does visitor insurance cover COVID-19 and other illnesses?
Most major Canadian visitor insurance plans now cover COVID-19 like any other sickness, along with emergency hospitalization, physician fees, prescription drugs, diagnostics, and repatriation. Check each policy's specific terms.
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