Compare Medical Travel Insurance to Canada

The best travel insurance policy in Canada is the one that’s tailored to your specific needs. Cost is determined by several factors – which vary between visitors – including: the coverage you seek, the coverage limits you select, the length of time for which you need protection, your age, gender, whether you have any pre-existing conditions and the provider you choose to purchase a policy from.

To get the best visitor to Canada insurance coverage, use our free online tool to compare costs from the most-trusted insurance providers in Canada.

Without travel medical insurance, medical treatment in Canada can set you back hundreds or thousands of dollars.

While specific costs vary depending on what province you’re in, you can expect to pay $100-200 to visit a walk-in clinic. You’ll also have to pay the full cost for any prescription.

If you require medical care in a Canadian hospital, expect to pay significantly more, including any costs associated with transport there. Again, those costs vary by province.

Emergency medical care, including ambulatory care can cost thousands of dollars.

According to data from the Canadian Institute for Health Information, the average cost of a standard hospital stay in Canada is $7,619.

It’s an expense you can avoid if you’re adequately protected by a travel insurance policy for visitors to Canada.

Treatment for emergency medical conditions, including COVID-19 is covered by most medical insurance policies that Canadian insurance providers offer.

At an earlier stage of the pandemic, providers who offered such protection did so as an add-on. Protection is now more widely available because COVID-19 is considered a known event.

Getting the best policy is a matter of deciding what provider will offer you the protection you want for the best available price.

As of June 2022, foreign nationals with symptoms or with a positive result from less than 10 calendar days before arriving to Canada will be denied entry.

To board a public flight entering Canada, you must you present a valid pre-entry test result or a medical certificate confirming that any medical symptoms you’re experiencing are not related to COVID-19.

Entry requirements may vary for unvaccinated travelers or those who don’t qualify as fully vaccinated.

If you purchased travel insurance when there was no travel advisory against travel issued by the government of Canada, it’s likely that a trip interruption policy will cover costs associated with quarantine, should you test positive for COVID-19 while you’re away.

Depending on the travel insurance provider, the cost of a COVID-19 test may not be covered.

Yes, the government of Canada requires anyone in Canada who is COVID-19 positive to quarantine for 10 days. This also means that you’re not allowed to use any public transportation, including aircraft, bus, train, subway, taxi or ride-sharing service to get to your place of isolation. Isolation ends after the 10th day from the day on which you entered Canada.

Whether or not your travel insurance will cover the cost associated with Canadian government-mandated isolation depends on your policy.

Many travel insurance providers now offer quarantine coverage which hedges quarantine costs, to a limit. For example, you may be able to find a policy that offers up to $200 for costs for each of 10 days of quarantine. In some instances, quarantine protection will also cover costs associated with changing or having to rebook airfare.

Any visitor to Canada who is not fully vaccinated must isolate for 14 days.

Before leaving home, carefully review your travel insurance policy to make sure you understand what’s covered. Many insurance providers now consider COVID-19 a known event. If you’re unvaccinated and must isolate for 14 days upon entering Canada, it’s unlikely that a policy will cover associated costs.

There are different types of insurance available to different types of travelers to Canada:

If you are planning to stay in Canada for up to one year either for work or a vacation, visitors to Canada insurance is your best bet.

If you are a recent immigrant but not yet eligible for a health card in your province, you should also get visitors to Canada insurance until your coverage kicks in.

If you are a parent or grandparent of a Canadian citizen and staying for longer than six months, you should look into Super Visa insurance.

If you coming to Canada to study, consider International Student insurance instead.

If you are immigrating to Canada, or are a recent immigrant, you will find that most provinces have a waiting period before you are eligible for public health insurance.

The length of time you must wait will vary by province. To protect yourself, newcomers to Canada should get emergency medical health insurance coverage, to ensure you’re covered as you wait for your provincial coverage to kick in.

A visit to the hospital, even for a minor injury, could set you back thousands of dollars. Don’t gamble on your financial future in Canada. Compare visitors to Canada quotes today.