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Compare emergency medical coverage for visitors, parents, relatives and newcomers to Canada side by side and buy online, with prices from insurers including Secure Travel, JF, GMS, TruStone and Manulife. A licensed advisor can help whenever you want. If you buy after arrival in Canada, a waiting period for sickness may apply. Zero deductible options are available on some plans.
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Get my visitors priceWHAT YOU'LL SEE
Sample prices
1 visitor, age 62 · 90 days · $100,000 · $0 deductible
Real prices from EGE Insurance Quoter, run Oct 10, 2026. Yours depend on age, dates and health.
We offer plans from top Canadian insurers for any visit length or budget.
Compare top Canadian insurers side-by-side in seconds.
You can reach a licensed advisor at 416-477-1516, Monday to Friday 9 am to 8 pm and Saturday 9 am to 5 pm. EGE AI answers any time.
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Why It Matters
We compare visitors insurance plans from top Canadian insurers and explain coverage clearly so that you can select the right policy for your situation with confidence.
Visitors are not covered by provincial healthcare plans such as OHIP. Even people who later qualify often face a waiting period of up to 3 months. The right policy protects against large out-of-pocket medical costs.
As a licensed brokerage, we compare plans from leading Canadian insurers and explain deductibles in plain language so that you can select coverage based on trip length, health history, and budget.
Coverage depends on the insurer and policy selected. However, most visitors insurance plans focus on emergency medical services while in Canada, and some plans also include additional travel benefits.
Who It Is For
Visitors insurance is relevant for a wide range of people entering Canada. While it is not legally mandatory for tourists, it is essential protection for anyone who is not covered by a Canadian provincial health plan.
Medical Costs in Canada
Because Canada's provincial healthcare does not cover foreign visitors, you will be billed directly for any medical care you receive. The following costs are based on provincial health authority billing schedules and are what you could face without coverage. Even a hospital stay of a few days can result in a bill of $10,000 or more.
What happens without visitors insurance in Canada?
Canada does not provide free healthcare to non-residents. A single emergency room visit can cost $794–$1,635. A hospital stay costs $3,058–$7,293 per day on a ward, and an air ambulance in BC is billed at $4,394 per hour by helicopter. Visitors insurance protects your family from these costs at a fraction of the price.
| Medical Service | Estimated Cost Without Insurance | Usually covered? (subject to policy terms) |
|---|---|---|
| Emergency Room Visit | $794 – $1,635 | Usually, if eligible |
| Hospital Stay (per day) | $3,058 – $7,293 (intensive care up to $13,110) | Usually, if eligible |
| Ambulance | $240 – $848 | Usually, if eligible |
| CT Scan / MRI | $1,500 – $2,445 | Usually, if eligible |
| Surgery | $3,300 – $16,430 for day surgery (hospital charge) | Usually, if eligible |
| Air Ambulance / Evacuation | $4,394 per hour by helicopter (BC) | Usually, if eligible |
| Walk-in Clinic Visit | $40 – $70 | Varies by plan |
| Prescription Medications | $50 – $500+ | Emergency prescriptions |
*Costs are approximate and vary by province, facility, and treatment required. Hospital, scan, surgery and ambulance figures are 2026 rates for non-residents of Canada published by hospitals and health authorities in Ontario, BC and Quebec; sources are listed in our hospital and ER costs guide. Doctors' fees are billed separately.
Pricing Guide
The price depends on your age, trip duration, coverage amount, deductible, and health history. In general, younger travellers pay significantly less, while seniors over 60 pay more because the statistical risk of a medical event increases with age. Approximate visitors insurance prices for one person for 90 days ($100,000, $0 deductible, without pre-existing coverage): $251 to $393 at ages 40 to 49, $400 to $593 at 65 to 69 and $634 to $1,059 at 70 to 74. Quotes from Oct 11, 2026; get your exact price.
Because every visitor has a different health profile and trip length, insurers price policies individually. For example, a healthy 30-year-old visiting for 30 days pays far less than a 70-year-old with pre-existing conditions visiting for six months. Comparing quotes from multiple insurers – as EGE Insurance does – is the most effective way to find the right price.
| Age | Without pre-existing coverage | With stable pre-existing coverage |
|---|---|---|
| 40–49 | $251–$393 | $306–$495 |
| 50–59 | $289–$395 | $346–$534 |
| 60–64 | $289–$444 | $366–$624 |
| 65–69 | $400–$593 | $506–$714 |
| 70–74 | $634–$1,059 | $833–$1,087 |
| 75–79 | $720–$1,364 | $986–$1,505 |
| 80–85 | $1,087–$1,667 | $1,238–$1,886* |
Visitors to Canada, 90 days, $100,000, $0 deductible, one person, CAD. *fewer insurers at 80+. Approximate, from quotes taken Oct 11, 2026; each range runs from the lowest to the highest price we were quoted for that age band. Your price depends on age, dates and health; get your exact price.
What affects your visitors insurance price?
Pro Tip
A deductible is the amount you pay first before the insurer covers the rest. Many healthy visitors choose a higher deductible to lower their overall cost.
However, if your parents are elderly or have health concerns, a $0 deductible plan may be worth the higher premium for full peace of mind.
Coverage Amount
Visitors insurance coverage amounts range from $10,000 to $1,000,000 depending on the insurer and the plan selected. While lower coverage amounts are less expensive, they may not be sufficient to cover a serious medical event in Canada.
| Coverage Amount | Considerations |
|---|---|
| $10,000 to $25,000 | Lowest premium; a single hospital admission can use it up |
| $50,000 | Lower premium, with a greater risk of exhausting the coverage in a serious emergency |
| $100,000 | A common limit and the Super Visa minimum; covers many emergencies |
| $150,000 to $200,000 | Added protection against longer hospital stays |
| $300,000 to $500,000 | Higher limits for potentially very expensive emergencies, such as a long intensive care stay |
Many families choose at least $100,000. For older visitors or anyone with a health condition, a higher limit is worth discussing with an advisor; the right amount depends on health history, budget and each plan’s exclusions, and no limit guarantees every cost is covered.
To put the coverage amounts in context, consider real treatment costs. A single day in a Canadian hospital intensive care unit costs a visitor from outside Canada up to $13,110 at published 2026 rates. Seven days in intensive care at British Columbia's rate cost $91,770 before doctors' fees, surgery or imaging. $10,000 to $25,000 in coverage is insufficient for anything beyond a minor emergency.
Plan Comparison
Not all visitors insurance plans are equal. Comparing insurers on coverage limits, stability periods, deductible options, and monthly payment availability is essential before you buy. EGE Insurance does this comparison for you – however, the table below gives you a head start.
This table is a sample of selected insurers. For every plan we can quote for your age, dates and health, see your prices.
| Insurer | Max Coverage | Stability Period | Monthly Payments | Zero Deductible | Super Visa Eligible |
|---|---|---|---|---|---|
| Manulife | $200,000 | Enhanced: stable 180 days · Standard: none in the last 180 days · Basic: not covered | Yes | Yes | Yes |
| TuGo | $200,000 | 90 to 365 days by age · 7-day add-on to age 79 | Yes | Yes | Yes |
| GMS | $200,000 | 180 days | Yes | Yes | Yes |
*TuGo stability period varies by age: 90 days (under 60), 120 days (60–69), 180 days (70–85), 365 days (86+); optional 7-day unstable pre-existing rider available. Plan details subject to change – always confirm with your EGE Insurance advisor before purchasing.
Because plan features differ between insurers, the right choice depends on your visitor's age, health history, and how long they plan to stay. For instance, a healthy visitor under 40 may be best served by a basic low-cost plan, while a senior with stable conditions will need an enhanced plan with pre-existing condition coverage. In either case, EGE Insurance compares your options and guides you to the right fit.
Because every family's situation is different, EGE Insurance reviews your specific needs – including age, health history, and trip length – and matches you to the plan most likely to provide the right coverage at the right price. You get expert guidance at no extra cost.
Coverage Details
Depending on the policy, visitors insurance can help with eligible emergency expenses and services during a stay in Canada. Some plans extend protection to certain non-emergency situations and travel benefits. The right plan gives your family peace of mind for the entire duration of the visit.
Emergency medical treatment · Hospitalization · Physician services · Ambulance · Emergency prescriptions · Medical transportation · Emergency dental · Accidental injury · Diagnostic tests & X-rays · Repatriation of remains · Expenses for an accompanying person, if included
Who Typically Needs Visitors Insurance
Coverage is subject to policy terms, exclusions, eligibility, and insurer approval. Contact EGE Insurance to confirm what your specific plan covers.
What Is Typically Not Covered
Pre-Existing Conditions
Many visitors insurance plans cover stable pre-existing conditions – however, the rules vary significantly by insurer. Choosing the wrong plan can result in a denied claim when you need it most. EGE Insurance reviews your health history and identifies which insurers are most likely to provide coverage. Working with an advisor makes all the difference.
A condition is generally considered stable when there has been no change in medication, treatment, or symptoms within a defined period before the policy start date. This period is called the stability period, and it varies from 90 to 365 days depending on the insurer. Understanding this requirement before you buy is critical.
Because each insurer defines stability differently, a condition that qualifies for coverage under one plan may be excluded by another. Working with an advisor who understands these differences is essential for families with health concerns.
| Insurer | Rule for a pre-existing condition | Good to know |
|---|---|---|
| Manulife Basic | Not covered | Any age. No medical questionnaire. |
| Manulife Standard | Not covered if the condition existed, or needed medication or treatment, in the 180 days before coverage starts | Up to age 85. No medical questionnaire. |
| Manulife Enhanced | Covered if stable for the 180 days before coverage starts | Up to age 85. From age 55, every medical question must be answered "no". |
| Secure Travel (stable plan) | Stable 90 days up to age 69; 180 days at 70 to 84 | Every medical question must be answered "no". Ages 80 to 84 need a $500+ deductible. Not available at 85+. |
| TruStone | Visitors daily plans: stable 365 days, 180 to 365 days, or 90 to 180 days | None at 80+. The 180 to 365 day plan excludes heart and stroke. The Super Visa annual plan covers no pre-existing conditions. |
| TuGo | Stable 90 / 120 / 180 / 365 days for ages 59 and under / 60 to 69 / 70 to 85 / 86+ | Optional 7-day add-on for a condition that changed recently, ages 79 and under. |
| GMS | 180 days | For visitors under 80 on the start date. |
| JF | 120 days | Stable plan at a $0 deductible only. |
Checked October 11, 2026. Rules change, so an advisor confirms yours before you buy.
*Stability periods and coverage rules change. Always confirm with your EGE Insurance advisor before purchasing.
Conditions that may be covered when stable
Important
If your visitor has pre-existing conditions, the wrong plan could result in a denied claim. EGE Insurance matches your family’s health history to the insurer most likely to provide coverage. We handle the comparison so you don’t have to.
Know the Difference
Understanding which coverage applies to your situation ensures you get the right protection. Using the wrong type of policy can affect your visa application or result in a denied claim. Knowing the difference before you buy is essential.
Most Popular
This coverage is designed for tourists, relatives, and newcomers to Canada. It offers flexible coverage options for short or extended stays with no specific visa requirements.
Super Visa insurance is specifically required for eligible parents and grandparents applying for a Super Visa. It must meet specific IRCC minimum coverage and policy requirements.
Not sure which applies? EGE Insurance can help confirm the right option for your visa type.
Step by Step
Purchasing Visitors insurance is straightforward. The following steps ensure you get the right coverage at the best available rate.
EGE Insurance advisors are available in 8 languages including Ukrainian, Russian, Turkish, Spanish, Mandarin, Cantonese, and Pidgin. Call (416) 477-1516 or visit egeinsure.ca/visitors-canada-insurance/ to compare plans and get your coverage letter the same day.
Key Takeaways
Got Questions?
Still unsure? Ask EGE AI any time, or call (416) 477-1516, Monday to Friday 9 am to 8 pm, Saturday 9 am to 5 pm.
Yes. Create your account with your mobile number to compare every plan and price, then buy online. Some plans are completed with a licensed advisor, who can also help whenever you want. If you buy after arrival in Canada, a waiting period for sickness may apply. Online quotes are for Ontario, Alberta, British Columbia and Manitoba. See how buying insurance online works.
No. Visitors are not covered under provincial health plans such as OHIP. Even people who later qualify may face a waiting period of up to 3 months. Visitors insurance helps protect against emergency medical costs during that time.
The price depends significantly on your age, trip duration, coverage amount, deductible, and health history. Getting a personalized quote from EGE Insurance is the best way to find the right price for your situation. Approximate visitors insurance prices for one person for 90 days ($100,000, $0 deductible, without pre-existing coverage): $251 to $393 at ages 40 to 49, $400 to $593 at 65 to 69 and $634 to $1,059 at 70 to 74. Quotes from Oct 11, 2026; get your exact price.
Visitors insurance is not always legally required. However, it is strongly recommended because emergency medical care in Canada can be very expensive for uninsured visitors. For Super Visa applicants, a minimum of $100,000 in coverage is required by IRCC.
Visitors insurance is for general visits to Canada – tourists, relatives, and newcomers. Super Visa insurance, on the other hand, is specifically required for Super Visa applicants and must meet minimum IRCC coverage requirements of $100,000. EGE Insurance can help you choose the correct option for your situation.
A deductible is the amount you pay toward eligible medical expenses before the insurer pays. With a $0 deductible, you do not pay a deductible on eligible covered claims. You may still be responsible for expenses that are excluded or exceed the policy’s limits. EGE Insurance can help you find the right balance for your budget.
Some visitors insurance plans offer coverage for stable pre-existing conditions, subject to the insurer's stability period – typically 90 to 180 days without any change in medication, treatment, or symptoms. EGE Insurance reviews your health history and identifies which plans may include this option for your specific situation.
Many families choose at least $100,000 in medical coverage. Older travellers and those with health concerns often consider $150,000 to $300,000, because a serious emergency can exceed $100,000; the right amount depends on health history, budget and each plan’s exclusions. EGE Insurance can help you select the right amount based on your situation. Choosing between an emergency-medical-only plan and a comprehensive one? See our emergency vs comprehensive visitors insurance guide.
Yes, in most cases you can. However, if you buy after your arrival date, a waiting period for sickness may apply, depending on the insurer. Some insurers may restrict coverage for conditions that arise during this waiting period. Buying before you travel is always recommended.
The top Canadian insurers for Visitors insurance in 2026 include GMS, Manulife, Secure Travel, TuGo, JF and TruStone. EGE Insurance compares plans from 15 or more of these insurers simultaneously to find the most suitable option for each visitor's specific situation.
Only if the policy meets IRCC’s key insurance requirements: at least $100,000 in emergency medical coverage, from a Canadian insurer or an OSFI-authorized foreign insurer that issues the policy in the course of its insurance business in Canada, valid for at least 365 days from the date of entry, covering health care, hospitalization and repatriation, and paid in full or in instalments with a deposit (a quote is not accepted). See IRCC’s full requirements. Always confirm IRCC compliance explicitly with the insurer before submitting a Super Visa application.
There is no single best plan, and any advisor who names one without asking questions is guessing. The right plan depends on the visitor's age, whether they have pre-existing conditions and how stable those conditions are, how long they are staying, and whether the coverage has to satisfy Super Visa rules. An insurer that is competitive for a healthy 45-year-old on a three-week visit is often not the one to choose for a 72-year-old parent staying a year with managed diabetes. The practical approach is to compare the same coverage amount across several insurers for the actual traveller, then read how each one defines stability for pre-existing conditions before deciding.
Also Available at EGE Insurance
EGE Insurance offers a full range of coverage options. You can compare and buy online or, alternatively, speak with a licensed advisor who will guide you to the right plan.
Ready to Get Started?
As a licensed brokerage, EGE Insurance shops visitors insurance plans from 15+ top Canadian insurers so that you can compare options and pick coverage that fits your visit, health history, and budget. Our licensed advisors are available to guide you every step of the way.
Or call (416) 477-1516, Monday to Friday 9 am to 8 pm, Saturday 9 am to 5 pm · Ask EGE AI, 24/7
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