Do visitors to Canada need private medical insurance?
Visitors are usually not covered by provincial health plans, so private emergency medical coverage helps protect against hospital, physician, ambulance, and repatriation costs.
Compare Visitor to Canada insurance for parents, relatives, tourists, newcomers, foreign workers, and guests staying in Ontario. Learn about emergency medical coverage, pre-existing condition stability clauses, deductibles, refunds, and coverage start dates.
Visitors are usually not covered by provincial health plans, so private emergency medical coverage helps protect against hospital, physician, ambulance, and repatriation costs.
Coverage should usually begin on the date the visitor arrives in Canada. If coverage starts later, expenses before the start date are generally not covered.
Some plans can cover stable pre-existing conditions, but stability periods, age limits, exclusions, and medical questions vary by insurer.