Are you a planning a trip to Canada? Or are you a Canadian resident, expecting visitors from outside the country?  Either way, you or your guests will need visitors to Canada insurance to protect yourselves and your loved ones in the event of an accident or medical emergency. In fact, the Canadian government recommends all visitors buy health coverage before exploring Canada.

Wondering what coverage is right for you and what you should look for? We answer four of your most frequently asked questions:

1. Why do visitors need travel insurance?

You may already have health care coverage in your own country, but that protection might not travel with you. Canada’s known for its inclusive healthcare system, but non-residents aren’t covered for accidents or medical emergencies. With medical coverage, you or your visiting guests will be able to relax without worrying about the cost of a clinic or hospital visit.

This real-life example shows how having travel medical coverage saved Sebastian money, and helped him get the appropriate care, when he unexpectedly ended up in a Canadian hospital due to gallstones.

[medical professionals in emergency room]
Medical professionals working in the emergency room.
53-year-old Sebastian’s Gallstones Led to Surgery with Complications

Sebastian was visiting from Switzerland, when he started experiencing acute upper abdominal pain. His family took him to the hospital where he was diagnosed with gallstones, requiring surgery. As a result of the surgery, Sebastian got an infection and sepsis, so he had to stay in the hospital for 14 days. After he was released, Sebastian had to return to the hospital daily for IV antibiotic therapy for another seven days.

Hospital fees ………………………………………….$54,397.20

Doctors’ fees ………………..……………………….. $8,460.00

Radiology and pathology fees …….………………$2,098.10

Outpatient IV fees ……………………………….….. $1,050.45

Prescriptions …………………….………………….. $189.99

Amount paid by TuGo ……..……………………… $66,195.74

This example is based on an actual claim with specific traveller details changed to protect privacy.

2. Who should get it?

Visitors travel insurance isn’t just for visitors! It’s also great for the following individuals:

  • New immigrants who’re waiting for their provincial health care to kick in.
  • Canadian citizens who’ve just returned to Canada after living abroad (they may need emergency travel medical insurance for a few months until their government health coverage takes effect).
  • Visitors who hold a work visa.

3. What benefits should I look for?

Trying to find the best plan for your needs can be confusing. This list provides you with the benefits you should look for to make sure you’re properly protected.

Visitors to Canada Travel Insurance Benefits

A comprehensive plan should check off all the above. If you’re looking for additional coverage, there are also non-medical options available like Trip Cancellation/Trip Interruption and Baggage Insurance.

Or if you’re looking for everything in one handy package, check out our Visitor to Canada Holiday Package.

4) What if a family member or I am applying for a Super Visa?

Parents or grandparents of a Canadian citizen or a permanent resident might be eligible for the Super Visa program. This visa’s valid for up to 10 years and allows visitors to spend time with their families in Canada for up to two years without renewing their status.

visa application with passport
Visitors to Canada applying for the Super Visa need emergency medical insurance.

However, you must have valid emergency medical coverage to qualify for the Super Visa. The Canadian government requires a minimum of $100,000 in coverage for at least one year.  For more details, requirements and eligibility for the Super Visa check out the Government of Canada website.

If you’re visiting from a visa-exempt country, you’ll need an Electronic Travel Authorization (eTA) to enter the country. Learn all about the eTA for visa-exempt visitors to Canada.

Whether you’re coming from near or far, or are expecting guests from abroad, have a safe and healthy time in Canada.

Have more questions? Share below!

Happy travels,

Sarah

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