Visitor to Canada & Super Visa Insurance
Compare plans from Manulife, TuGo, and 21st Century.
Visiting Canada — whether for a few months or several years — means stepping outside provincial health coverage. A single day in hospital can cost as much as $5,000, and emergency care, ambulance transport, or a major procedure can add up fast.
Visitor to Canada insurance protects you and your family against these unexpected medical costs, so a health emergency doesn't turn into a financial one.
Who needs Visitor to Canada insurance?
- Visiting Canada on a visitor visa or eTA
- Applying for a Super Visa (parents and grandparents)
- International students or workers not yet covered by a provincial health plan
- Newcomers to Canada waiting for provincial coverage to begin
- Canadian citizens returning after time abroad, without active provincial coverage
Super Visa Insurance
The Super Visa lets parents and grandparents of Canadian citizens or permanent residents visit for up to 5 years at a time, with the visa itself valid for up to 10 years.
To qualify, your parent or grandparent needs emergency medical insurance that meets the Government of Canada's requirements:
- Minimum $100,000 CAD in emergency medical coverage
- Valid for at least 1 year from the date of entry
- Covers emergency medical care, hospitalization, and repatriation
- Issued by a Canadian insurance company (or, in limited cases, a foreign insurer authorized by OSFI — most families choose a Canadian provider for simplicity)
- Proof of coverage required at the port of entry, for every entry
The OSFI exception reflects a January 2025 regulatory update. The vast majority of clients still choose a Canadian provider.
Compare Our Insurance Partners
We work with three trusted Canadian insurers, each with different plans, pricing, and coverage options. Compare them below, or get an instant quote to see real prices side by side.
21st Century
Basic, Standard, and Enhanced plans, available up to age 85, with the Enhanced plan covering stable pre-existing conditions. Unlike the other two providers, it offers a monthly payment option and policies valid for up to 2 years.
TuGo
TuGo offers Basic and Visitors to Canada (VTC) plans, often the most competitive option for younger travelers and applicants 80 and older — and the only choice available at age 86+.
Manulife
One of Canada's most established insurers, offering Basic, Standard, and Enhanced Visitor to Canada plans backed by 24/7 emergency travel assistance.
Frequently Asked Questions
Why should I buy Visitor to Canada insurance?
It protects you against the cost of unexpected medical emergencies while in Canada — care that isn't covered by any provincial health plan if you're not a resident.
What insurance do I need for the Super Visa?
A policy valid for at least 1 year, with a minimum of $100,000 CAD in emergency medical coverage, from a Canadian insurer.
Can I buy a policy if I'm already in Canada?
Yes, though a waiting period typically applies unless your coverage continues without a gap.
Does this insurance cover routine check-ups?
No — Visitor to Canada insurance covers emergency medical care, not routine or preventive health visits.
Are pre-existing conditions covered?
It depends on the plan. Some plans cover stable pre-existing conditions (usually defined as unchanged for 90–180 days); others exclude them entirely. We can help you find a plan that fits your situation.