If you are visiting Canada — or inviting family to visit you — emergency medical costs are not covered by provincial health plans. Visitor insurance protects guests from large, unexpected medical bills during their stay. This guide explains what it covers and how to choose a policy.
Why Visitors Need Medical Insurance
Visitors are not eligible for Ontario’s public health coverage, so a single emergency room visit or hospital stay can be extremely costly. Visitor insurance provides emergency medical coverage so a health issue does not become a financial crisis.
What It Typically Covers
- Emergency medical treatment and hospitalization.
- Prescription drugs related to an emergency.
- Ambulance services and, where applicable, repatriation.
- Optional coverage for pre-existing conditions, depending on the plan.
Choosing the Right Plan
Consider the length of the visit, the visitor’s age and health, and whether pre-existing conditions need coverage. Policies can usually start on the arrival date and be arranged before travel.
How a Broker Helps
NavInsurance compares visitor plans to match the right coverage to your guest’s trip and budget. Visit our visitor insurance page. For parents or grandparents staying long-term, see the Super Visa insurance option.
Frequently Asked Questions
Does provincial health cover visitors?
No. Visitors are not covered by Ontario’s public health plan, which is why private visitor insurance is essential.
Can I buy it after the visitor arrives?
It is best to arrange coverage before arrival. Some plans can still be purchased after arrival, often with a waiting period — a broker can advise.