Travel Insurance

Travel medical insurance

Provincial health coverage stops at the provincial border, and it never covered visitors in the first place. Whether someone is coming to Canada or leaving it, the gap is the same one: a medical emergency billed at full price, in a country where that runs into tens of thousands.

What We Arrange

Four kinds of travel cover

Super Visa insurance

Required, not optional. A Super Visa application will not succeed without medical cover of at least $100,000, valid a full 365 days from the start date, from an insurer Canada accepts and paid for rather than quoted. The visa itself allows stays of up to five years at a time.

Most plans can be paid monthly without shortening the policy. See Super Visa insurance, or the detail of the rules on our requirements page.

Visitors to Canada

For anyone here without provincial health coverage — tourists, family on an ordinary visitor visa, new permanent residents inside their waiting period, work permit holders. Coverage runs from $10,000 to $500,000 and from a single day to two years.

Nothing legally requires it, which is exactly why people skip it and then discover what an uninsured emergency room visit costs. See visitors to Canada insurance.

International students

Some provinces enrol international students in the public plan; Ontario and Quebec generally do not, leaving it to the institution. Either way there is usually a gap — before enrolment starts, over a summer break, or after graduation. See student insurance.

Travelling Canadians

Your provincial plan pays very little outside the province and almost nothing outside the country. A medical emergency abroad is billed to you at local rates, and in the United States that is the single largest financial risk most Canadian travellers take. Cover can also extend to trip interruption, delayed flights and lost baggage. See insurance for travelling and returning Canadians.

Before You Buy

The four things that decide a claim

Buy before departure

Coverage starts on the date you choose, not the date you pay, so buying early costs nothing. Buying after arrival costs something real: most insurers impose a waiting period before cover becomes active, and anything that has already happened is treated as pre-existing.

Declare every medical condition

Including the ones that feel minor and well controlled. Insurers request medical records on any claim of size, and a non-disclosure can void the entire policy — not merely the part relating to that condition. Declaring costs nothing.

Understand the stability period

Most plans cover a pre-existing condition provided it has been stable for a set period before cover starts — commonly 90 or 180 days. Stable means unchanged: no new symptoms, no new medication, no change of dose. A dose adjustment two months before departure can put a condition inside one plan\’s window while another clears it. See pre-existing conditions.

Choose the deductible deliberately

A higher deductible lowers the premium, which is a fair trade for a healthy traveller and a poor one if finding that sum in an emergency would be difficult. Set it against what you could comfortably pay on a bad day rather than against the saving.

Call the assistance number before the hospital, not after. Every policy we place includes a 24-hour assistance line, and that call is what gets treatment authorised and, on a large admission, the hospital paid directly rather than billing the patient. Keep the number on the traveller’s phone. See how to make a claim.

Rather just ask

One call usually settles it.

Travel cover is the one product here you can price yourself in a minute — but if there is a medical condition, a long stay or a Super Visa application involved, a licensed agent will tell you which of the results actually work for the situation.

Talk to an advisor

Travel insurance questions

Coming to Canada long term as a parent or grandparent: Super Visa. Coming for an ordinary visit: visitors cover. Studying here: student cover. Leaving Canada on a trip: travelling Canadians. If more than one seems to fit, call and we will place you correctly.

Yes. The quote page covers Super Visa, visitors and student cover, and shows every plan we can offer with its price and deductible. Nothing to pay to see a price and no callback unless you ask.

Barely. Most provinces reimburse only a small fraction of out-of-province costs and very little outside Canada. Treat it as a token contribution rather than as cover.

Phone the insurer and move the start date before the original one passes — usually free. Afterwards it rarely is, because the policy has technically begun.

Usually, provided you arrange it before the current one expires and no claim has been made. Letting it lapse and buying fresh restarts every pre-existing clock, which is a much weaker position.

Every insurer we place business with refunds the premium against a copy of the refusal letter. Some deduct a small administration fee — ask for the exact clause before you buy.

Get a travel medical quote in about a minute

Call 437-428-2828 and talk it through with a licensed advisor. Mon–Sat, 9am–8pm ET. No obligation, and nobody will push you to buy on the call.

Call 437-428-2828