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Visitor medical insurance, priced in 30 seconds.

Emergency medical coverage for visitors to Canada, Super Visa applicants and new immigrants. Enter a few details and compare prices right away — backed by a licensed advisor, not a call centre.

Up to $300,000 coverage Pre-existing options 100% refund if visa refused*

Get your quote

Takes about 30 seconds

Date of birth — type the numbers (e.g. 15 08 1968), or just enter age →

Arrival in Canada (coverage start)

Departure / coverage end

Days — or set length

How much coverage? — the most the insurer will pay

Would you like to cover pre-existing medical conditions?

Please enter each traveller's date of birth or age, plus the travel dates.

What's covered

Hospital & physician care, prescription drugs, diagnostics, ambulance, accidental dental, repatriation and more — for sudden, unexpected emergencies during your stay.

Pre-existing conditions

Covered when stable for the required period before the start date: 90 days (age 59-), 120 days (60-69) or 180 days (70-79). Choose the "Yes" option to include them.

Buy before you arrive

Purchase before arrival and the waiting period is waived. Bought after arrival, a 48-hour or 7-day waiting period applies to new illnesses.

Important details & compliance

This is a price illustration, not an insurance contract. Premiums use each insurer's published rate schedule (Destination: Canada eff. Jan 13, 2025; GMS eff. Apr 15, 2025) and are estimates only. Coverage exists only after a completed application is accepted and the premium is paid, and is subject to each policy's eligibility, terms, limitations and exclusions.

Eligibility (summary): the insured must not be eligible for a Canadian Government Health Insurance Plan for this stay and must meet all eligibility questions on the insurer's application. This is emergency medical insurance — it covers sudden and unforeseen emergencies, not routine, follow-up or recurrent care. Age availability differs by insurer (e.g. GMS rates to age 79; Destination to 89).

Pre-existing conditions are covered only when stable for the insurer's required period before the effective date. Destination: 90 days (age 59−), 120 days (60-69), 180 days (70-79). GMS: stable pre-existing covered (no medical questions under 55). A "No pre-existing coverage" option does not cover any pre-existing condition.

Waiting period: generally waived when the policy is bought before arrival or before existing coverage expires with no gap; otherwise a 48-hour or 7-day waiting period may apply to new illnesses, per the insurer.

Super Visa: requires a Canadian emergency medical policy of at least $100,000 valid for 365 days (GMS qualifies at $100k or $150k). IRCC accepts the premium paid in full or in installments with a deposit — a quote is not accepted, so the policy must be issued and the deposit paid before applying. Monthly payment plans are offered by some insurers (e.g. 21st Century on 365-day policies of $100,000+; Destination on 180+ day policies of $50,000+) and usually involve a deposit plus a non-refundable set-up fee, so the yearly total is typically higher than paying in full. Family rate is 2× the oldest applicant's rate (conditions vary by insurer). Day count includes the arrival and departure days; age is taken as of the coverage start date. Minimum premiums and companion discounts follow each insurer's rules.