6210 147b St. Surrey BC
Visitors to Canada — Emergency Medical Insurance
Canada doesn't cover visitors. One hospital visit can cost thousands. Compare quotes from 30+ insurers in under 2 minutes — free, no obligation.
Instant Quote
Your info is used only to generate accurate quotes. Prices shown instantly — no account required.
Simple Process
Provide the traveller's age, travel dates, and whether you want pre-existing condition coverage. Takes about 30 seconds.
Instantly see quotes from all major Canadian insurers side by side. Filter by price, coverage limit, or deductible.
Choose your plan and purchase securely online. Your policy documents land in your inbox within minutes.
Coverage Details
Hospital stays, surgery, intensive care, and physician fees for sudden illness or injury.
Ground and air ambulance transportation to the nearest appropriate medical facility.
Sudden dental pain or accidental damage to natural teeth requiring immediate treatment.
Medications prescribed as a direct result of a covered medical emergency during your trip.
Transportation to your home country if medically necessary, including repatriation of remains.
Optional coverage for stable pre-existing conditions — available on most plans for qualifying travellers.
Coverage varies by plan and insurer. Review your policy wording for full details.
Important
Average cost of an emergency room visit in Canada for an uninsured visitor.
Canada has world-class healthcare — but it's not free for visitors. A single hospital stay can cost $3,000 to $30,000 per day. Visitors insurance protects you from bills that could follow you home.
See How Affordable Coverage Can BeLocal Expert
Our online tool makes it easy to compare and buy visitors insurance on your own — but if you'd rather talk through your options with someone who knows the plans inside out, Rupinder Ghuman is here to help.
Rupinder is a licensed insurance advisor based in Surrey, BC, serving visitors, newcomers, and families across the Lower Mainland. She can help you choose the right plan, navigate pre-existing condition coverage, and ensure you're protected before you arrive.
FAQ
Everything you need to know about visitors insurance before you buy.
Get a QuoteAnyone visiting Canada who is not covered by a provincial or territorial health plan. This includes tourists, visiting family members, people on work permits awaiting provincial coverage, and new immigrants in the waiting period.
Yes — most insurers allow you to purchase after landing in Canada. However, many plans impose a waiting period of 48 to 72 hours before coverage begins. Purchasing before you travel avoids this gap entirely.
Many plans offer optional coverage for stable pre-existing medical conditions. A condition is typically considered stable if there have been no changes in treatment, symptoms, or medication for 90 to 180 days. Stability requirements vary by insurer and age.
Most advisors recommend a minimum of $100,000 in emergency medical coverage. Coverage of $150,000 or more is advisable for longer stays or for older travellers. Higher limits provide greater protection against serious illness or major surgery.
Yes, most policies can be extended before the expiry date provided you have not made a claim and your health status has not changed since the policy was issued. Contact your broker before the policy expires — extensions generally cannot be backdated.
A deductible is the portion of a covered claim you pay out of pocket before insurance kicks in. Choosing a higher deductible lowers your premium. A $0 deductible gives maximum protection; a $500 or $1,000 deductible can meaningfully reduce the cost of your plan.
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