It’s no surprise that tourism has changed a lot over the past few years. From inflation to climate change to airport chaos, the way people travel is more different than ever. No matter where you’re travelling, safety and peace of mind will be your top priorities. This is also the case for those coming to Canada. This is where travel insurance for visitors to Canada, also known as Visitors to Canada (VTC) insurance, comes into play. Whether you’re a tourist, new immigrant, or visiting family, having the right medical insurance for visitors to Canada can protect you from unexpected healthcare costs during your stay.
What is Visitors To Canada (VTC) Insurance?
Visitors to Canada is a type of travel insurance specifically designed for people visiting Canada from abroad. This insurance gives travellers access to the equivalent of a Canadian provincial healthcare plan in the event of a medical emergency while they are there. It also assists them with any related expenses they may incur.
In essence, this is a traveller’s safety net. It protects you from any financial burdens that may come from receiving medical treatment in Canada. This is useful, as billing rates for non-Canadian residents can sometimes be triple the already high cost of a hospital stay in Canada. Visitors to Canada insurance will provide visitors with reassurance and peace of mind during their trip.
Who Should Get Visitors To Canada Insurance?
Visitors to Canada insurance is designed to cover anyone entering the country. Contrary to popular belief, this covers more than just tourists. VTC can also accommodate newcomers to Canada, tourists, seasonal workers and expats returning to Canada.
Ryan Beauliu, president of Travel Guardian and AwayCare, spoke to Rates.ca on the topic of Visitors To Canada insurance. He states there is one exception.
“The exception would be international students, as they would be covered by a different policy,” Beauliu stated. “VTC Insurance would procide emergency coverage for the time the individiual is in Canada without any other form of insurance.”
Whether you are coming to Canada on a Visa or to enjoy the scenery on a trip will be determined when you purchase Visiting Canada insurance.
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What Does Visitors To Canada Insurance Cover?
Like many other insurance policies, the specifics will differ depending on the provider. In General, VTC insurance will include the following:
- Hospital stays
- Medical and diagnostic services
- Ambulance fees
- Dental work
- Prescription drugs
With this in mind, it’s important to note that Visitors To Canada insurance is limited. This means it would not allow for elective procedures. It would also not extend to any care that is associated with pre-existing conditions. For this, you’ll want to purchase a plan that specifically covers pre-existing conditions. Though this may be pricier, it will definitely be more affordable than suffering an injury in a different country with no insurance.
How Long Does VTC Coverage Last?
The shortest type of Visitors TO Canada travel Insurance period is usually only for a few days. This is perfect for short visits or weekend getaways across the border. Planning a bit longer stay? Rest assured, Visitors Travel Insurance coverage periods can extend up to a year or longer! Regardless of how long you’re travelling for, it’s important to choose a policy that matches the length of your stay. The last thing you want is any coverage gaps while in Canada!
Should I Buy VTC Insurance in Canada or Before I Leave?
Fortunately, Visitors To Canada coverage can be purchased either in Canada or in your home country! According to Beauliu, making this decision comes down to where you’re coming from and your insurance provider.
“Some foreign policies require up-front payment and get reimbursed when you return to the country of origin, while others have different limits and requirements,” he says. “However, the coverages purchased in Canada for VTC provide options, have good relationships with Canadian clinics and hospitals, as well as a proven record of success.”
To put it simply, both will offer you coverage. However, purchasing your coverage in Canada may make it easier for you. This is due to greater familiarity, which, in most cases, proves more reliable in the end.
Purchasing VTC Insurance
Like any insurance policy, your first step will always be to compare rates online. Similar to your home or car insurance policy, the more you familiarize yourself with the options, the better equipped you’ll be to find the right coverage for you. Never settle for the lowest price!
“Make sure you understand the policy limits and ask questions!” Beauliu told Rates.ca. “Does it cover pre-existing conditions? What is the stability period if it does cover pre-existing conditions? What is your deductible? Is it per policy or per claim? What is the refund policy? And importantly, does it allow you to travel outside of Canada?”
The more questions you ask, the more peace of mind you can have on your trip. This way, you know you’re covered if the worst occurs.
Do I Need Insurance to Visit Canada?
No, travel insurance is not legally required to visit Canada in most cases. However, it is strongly recommended for all visitors.
Canada does not provide free healthcare to tourists or most temporary visitors. Without travel insurance for visitors to Canada, you will be responsible for paying the full cost of any medical treatment out of pocket—which can be extremely expensive. Even a short hospital stay or emergency visit can cost thousands of dollars.
Some visitors, such as those applying for a Super Visa, are actually required to show proof of Visitors to Canada insurance before entering the country.
How Much Does Visitor’s Insurance to Canada cost?
The cost of Visitors to Canada insurance varies depending on several factors, but most plans typically range from:
- $2 to $5 per day for younger travellers
- $5 to $15+ per day for older visitors
Factors Affecting Cost
- Age of the traveller
- Length of stay in Canada
- Coverage amount (e.g., $50,000 vs. $100,000+)
- Deductible chosen
- Pre-existing medical condition coverage
Tip: Choosing a higher deductible can help lower your premium—but make sure it’s still affordable if you need to make a claim.
What Is Emergency Medical Insurance for Visitors to Canada?
Emergency medical insurance for visitors to Canada is a type of travel insurance that covers unexpected medical expenses during your stay.
This typically includes:
- Hospital stays and emergency room visits
- Doctor and diagnostic services
- Ambulance transportation
- Prescription medications
- Emergency dental treatment
This coverage is designed for sudden and unexpected medical situations, such as illness or injury. It does not usually cover routine checkups, elective procedures, or untreated pre-existing conditions (unless specifically included in your policy).
Visitors To Canada Insurance: Conclusion
Looking to travel to Canada? Don’t hesitate to look into a Visitors To Canada insurance policy! The first step in a successful trip is knowing you’re covered. Given the alternative, the upfront cost will be far cheaper than paying medical bills. Whether it’s with a Canadian provider or not, make sure you choose something that aligns with your needs!
Already living in Canada and in the market for travel insurance? Don’t hesitate to reach out to us at isure! Contact us or request a quote today!
Protect Every Guest and Every Room
Request your free hotel insurance quote today and safeguard your business from unexpected risks.
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