Best travel insurance for visitors to Canada in Ontario (2026)
The best visitors to Canada insurance is an emergency medical plan that covers your guest while they are in Canada, since they are not covered by provincial health care. For Super Visa applicants, the plan must provide at least $100,000 in emergency medical coverage, be valid for 365 days, and come from a Canadian insurer.
Key takeaways
- Visitors are not covered by OHIP, so they need their own emergency medical plan.
- Super Visa requires at least $100,000 coverage, valid 365 days, from a Canadian insurer.
- There is no age limit; visitors 60+ complete a medical questionnaire.
- Stable pre-existing conditions are often covered when terms are met.
- Coverage can start on arrival and span the length of the visit.
When family or friends come to visit Ontario, they arrive without any provincial health coverage. A single trip to an emergency room can produce a bill that runs into the thousands, so visitor emergency medical insurance is one of the most practical things you can arrange before they land.
Why visitors need their own coverage
OHIP covers Ontario residents, not guests. A visitor — whether here for two weeks or a year — is billed at full rates for any medical care, and Canadian hospitals expect payment. Visitors to Canada insurance is emergency medical coverage designed for exactly this situation: it covers eligible care while the guest is in Canada, and our 24/7 assistance line can coordinate with hospitals so the insurer is billed directly rather than your guest paying out of pocket.
The Super Visa case
If you are sponsoring a parent or grandparent on a Super Visa, insurance is not optional — it is a requirement set by Immigration, Refugees and Citizenship Canada (IRCC). To qualify, the policy must:
- Provide at least $100,000 in emergency medical coverage,
- Be valid for 365 days from the date of entry,
- Come from a Canadian insurer, and
- Cover health care, hospitalization and repatriation.
Our Visitors to Canada product includes Super Visa coverage that meets these rules. If the visit is specifically for a Super Visa application, confirm the plan details line up with the IRCC requirements before you buy.
What makes a visitor plan the “best” one
Beyond meeting any Super Visa rules, look for:
- A coverage limit that fits the risk. Super Visa requires at least $100,000, but higher limits are available and often sensible for older visitors.
- Pre-existing condition terms you understand. Many older visitors manage chronic conditions; stable conditions are often covered when the stability period is met.
- Flexible duration. Coverage can start on arrival and span the whole visit, whether that is a few weeks or a full year.
- 24/7 multilingual assistance. TripCovered assists in multiple languages, which helps a visitor navigate an unfamiliar health system.
Age, health and price
There is no age limit on the Visitors to Canada plan. Visitors under 60 answer no medical questions, while those 60 and over complete a medical questionnaire that sets the premium rather than deciding eligibility. The price typically depends on the visitor’s age, the length of the visit, the coverage amount chosen, and their health answers. Because every visitor is different, the only accurate figure is a personalized quote.
Pre-existing conditions
Stable, managed conditions are often covered when they meet the policy’s defined stability period before the coverage start date. Have your visitor answer the questionnaire accurately and keep documentation — honest disclosure is what protects a claim later.
How to keep the cost sensible
Buy coverage that matches the actual length of the visit rather than rounding up unnecessarily. Choose a coverage limit that reflects the visitor’s age and health, not just the legal minimum. If a deposit or pre-paid travel is involved, consider whether added protection is worthwhile. And arrange the policy before arrival, so coverage is in force from the first day.
Protect your guest before they arrive
The best visitors to Canada insurance covers your guest for medical emergencies from the day they land, with a limit suited to their age and health — and, for Super Visa applicants, one that meets the $100,000, 365-day, Canadian-insurer rules. Comparing your options with a quote is the quickest way to confirm the plan fits and see the real price before they travel.
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Purchase now →Frequently asked questions
Do visitors to Canada need insurance if they're only here a few weeks?
Visitors are not covered by Ontario's health plan, so any medical care they receive is billed to them. Even a short visit can produce a large hospital bill, so visitor emergency medical insurance is strongly recommended regardless of trip length.
What are the Super Visa insurance requirements?
To meet Super Visa rules, the policy must provide at least $100,000 in emergency medical coverage, be valid for 365 days from a Canadian insurer, and cover health care, hospitalization and repatriation. Our Visitors to Canada product includes Super Visa coverage.
Can an older parent or grandparent be covered?
Yes. There is no age limit on the Visitors to Canada plan. Applicants 60 and over complete a medical questionnaire that sets the premium rather than eligibility, and stable pre-existing conditions are often covered when the policy's terms are met.
TripCovered is a licensed insurance referral service operating in Ontario. Insurance is administered by North American Air Travel Insurance Agents Ltd., doing business as TuGo®, a licensed insurance broker in all provinces and territories. The issuer of the contract is Industrial Alliance Insurance and Financial Services Inc. and Industrial Alliance Pacific General Insurance Corporation. Coverage is subject to the terms, conditions, limitations and exclusions of the policy. This website provides general information only and is not a contract of insurance. Always read your policy wording before you travel.