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Visitors to Canada Medical Insurance

Emergency Medical Insurance while staying Canada.

The Canadian health care system is one of the best in the world, but it is expensive. If you are visiting, studying, working as a foreign worker or immigrating to Canada from another country, unfortunately you are not covered by Canada's National Health Care program. Your local medical health insurance policy may not always provide adequate coverage when you're traveling or residing outside your home country.

Visitors to Canada Emergency Health Insurance can help!

Before you depart for Canada research your Visitors to Canada Emergency Travel Insurance options.

Single Trip versus Annual Plans

You can choose between single trip and annual emergency medical travel insurance plans. Ensure you purchase single trip coverage before you depart for Canada to avoid waiting periods before coverage begins. You can purchase single trip coverage for periods up to 1 year. If you decide to extend your stay, you can extend our coverage, but you may need to answer a medical questionnaire (any new injuries or illness may be excluded during the period of extension).

Annual plans offer you medical coverage for unlimited number of trips to Canada within a twelve month period. Manulife currently offers their Annual plan for trip lengths up to 30 days. If you plan several trips to Canada in the next year, you may find the Annual Emergency Medical Travel Insurance more cost effective.

You can obtain free quotations for Single Trip and Annual Plans by using our free, real time quotation request system.

Which Company Has The Best Coverage?

Each company has strengths and weaknesses. Decide for yourself which plan best suits you needs!

Get a free comparative premium quote now!

The following Visitors to Canada Medical Insurance Comparison Table gives you a brief idea on the insurers including Manulife, Travel Guard, TIC, ETFS and Travel Underwriters!| international medical insurance benefits For other travel insurance, please go to Trip Cancellation, All-Inclusive for detail.

frequently asked questions

Frequently Asked Questions about Emergency Medical Insurance For Visitors To Canada

Companies providing Emergency Medical Insurance For Visitors To Canada

ETFS
Plan Name Medi-Select Advantage
Coverage amounts $15,000, $25,000, $50,000, $100,000, $150,000
Deductibles options $0, $50
Pre-existing Condition Exclusion Pre-existing Condition: a) Any sickness, injury or medical condition for which: i. you have had symptoms; ii. you have been hospitalized; iii. you have been prescribed medication (including prescribed as needed); iv. you have taken medication; or v. you have undergone a medical or surgical procedure, at any time in the 180 days prior to your effective date. b) Your heart condition if, for any heart condition: i. you have had symptoms; ii. you have been hospitalized; iii. you have been prescribed medication (including prescribed as needed); iv. you have taken medication; or v. you have undergone a medical or surgical procedure, at any time in the 180 days prior to your effective date. c) Your lung condition if, for any lung condition: i. you have had symptoms; ii. you have been hospitalized; iii. you have been prescribed medication (including prescribed as needed); iv. you have taken medication; v. you have undergone a medical or surgical procedure; or vi. you have been treated with home oxygen or taken oral steroids (e.g. Prednisone), at any time in the 180 days prior to your effective date.
Maximum Age 85
Notes
Policy Wordings

Manulife Financial
Plan Name Visitors Emergency Medical
Coverage amounts

$25,000, $50,000, $100,000, $150,000

Deductibles options $0, $75, $500, $1000
Pre-existing Condition Exclusion We will not pay any expenses relating to: a) a pre-existing condition for which medication has been taken, received or prescribed and/or treatment has been received in the 180 days before the effective date of insurance; b) any heart condition if, in the 180 days before the effective date, you required any form of nitroglycerine for the relief of angina pain; and/or c) any lung condition, if in the 180 days before the effective date, you required treatment with oxygen or prednisone for a lung condition.
Maximum Age 85
Notes Coverage Maximum is limited to $100,00 if age 70 or older
Policy Wordings

TIC - Travel Insurance Coordinators
Plan Name Visitors to Canada Emergency Hospital and Medical Insurance Policy
Coverage amounts

$10,000 $25,000, $50,000, $100,000, $150,000

Deductibles

Basic Plan -$50 deductible

Select Plan -$0 deductible

Pre-existing Condition Exclusion Any sickness, injury or medical condition that exhibited symptoms for which a diagnosis need not have been made or required any or all of: medical consultation, prescription medication, medical treatment or hospitalization, within 180 days immediately preceding the effective date. Any sickness, injury, or medical condition for which a diagnosis need not have been made or state of health which, prior to the effective date was such as to render expected medical treatment or hospitalization.
Maximum Age 85
Notes Coverage Maximum is limited to $50,000 if age 71 or older
Policy Wordings

Travel Guard
Plan Name Gold Visitors to Canada
Coverage amounts

$25,000, $50,000, $150,000

Deductibles options

$50 for the $25,000 and $50,000 plans

$0 for the $150,000 plan

Pre-existing Condition Exclusion A pre-existing condition exclusion applies to medical conditions and/or symptoms that existed prior to travel. There may be no coverage if you have a pre-existing condition. Medical Exclusion for Identifier ME#1 If your exclusion identifier is ME#1 your Emergency Medical and Dental Coverage is subject to all of the exclusions set out in the General Exclusions Section of this policy and the following exclusion: ME#1 If at any time in the 90-day period immediately preceding your start date: a. Your medical condition or any related condition has not been stable and controlled; b. Your heart condition has required you to use, take, or be prescribed to take nitroglycerin in any form, more than once per a seven day period; or c. Your lung condition has required the use of home oxygen or has required you to take oral steroids (prednisone or prednisolone); Then we do not cover any loss or expense related in whole or in part, directly or indirectly, to any such condition. Medical Exclusion for Identifier ME#3 If your exclusion identifier is ME#3 your Emergency Medical and Dental Coverage is subject to all of the exclusions set out in the General Exclusions Section of this policy and the following exclusion: ME#3 We do not cover any loss or expense related in whole or in part, directly or indirectly, to any medical condition for which you have taken medication, been prescribed medication, received treatment, experienced a deterioration of the condition or had cause to seek treatment at any time within the 180- day period immediately preceding and including your start date and this exclusion applies whether or not the condition has been stable and controlled. Pre-Existing Condition Medical Exclusion for Identifier ME#4 If your exclusion identifier is ME#4 your Emergency Medical and Dental Coverage is subject to all of the exclusions set out in the General Exclusions Section of this policy and the following exclusions: ME#4 If at any time in the 90-day period immediately preceding your start date: a. Your medical condition or any related condition has not been stable and controlled; b. Your heart condition has required you to use, take, or be prescribed to take nitroglycerin in any form, more than once per a seven day period; or c. Your lung condition has required the use of home oxygen or has required you to take oral steroids (prednisone or prednisolone); Then we do not cover any loss or expense related in whole or in part, directly or indirectly, to any such condition. In addition, we do not cover any loss or expense related in whole or in part, directly or indirectly, to any medical condition arising from or related to a congenital defect.
Maximum Age 84
Notes
Policy Wordings

Travel Underwriters
Plan Name Freedom Visitors to Canada Emergency Hospital/Medical Insurance
Coverage amounts

$10,000, $25,000, $50,000, $100,000, $150,000

Deductibles options $0, $100
Pre-existing Condition Exclusion 1. A medical condition which existed prior to the effective date of the Policy or any condition wholly or partly, directly or indirectly, related thereto. 2. Any loss incurred as a result of sickness that originated or was symptomatic during the waiting period: a) the first 48 hours from the effective date of this Policy, if this Policy was purchased prior to your arrival date in Canada or within 60 days of your arrival date in Canada; or, b) within the first seven days from the effective date of this Policy, if this Policy was purchased 61 days or more after your arrival date in Canada. 3. Loss of or damage to prescription glasses, contact lenses, prosthetic devices, hearing aids. 4. Conditions or any related conditions for which, prior to arrival date in Canada, testing or investigative consultation took place, was scheduled to take place or
Maximum Age 89
Notes
Policy Wordings
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