Call at 1-877-443-010, 416-493-0101 for details and consultation or Ask Your Question Online!
WHAT does Medical Insurance for Visitors to Canada cover?
Visitors to Canada Travel Medical Insurance
Pre-Existing Medical Conditions and Other Exclusions, Conditions, Limitations
Visitors to Canada Medical Insurance covers an unexpected, unforeseen sickness or injury that may happen during the period of coverage and requires immediate medical treatment.
Benefits
Visitors medical insurance benefits usually include:
   - hospitalization and medical services (inpatient and outpatient) at the time of an emergency,
   - diagnostic tests required by a physician,
   - use of licensed ambulance services,
   - medications prescribed by a physician,
   - accidental dental and dental emergency,
   - repatriation,
   - return you home if recommended by your attending physician, and more.
Payment for each benefit is limited to the amount specified in the policy.
Pre-existing medical conditions may be covered provided these conditions are stable as it is defined in the policy.
Amount of coverage (Sum Insured)
Amount of coverage (or Aggregate Policy Limit or Sum Insured) means the maximum amount the insurance company will pay you regardless of the  cost  of Insured Services received by you. Insurance companies issue Visitors insurance policies with Amount of coverage from $10,000 to $300,000.
If you have a pre-existing medical condition and take medications, please  learn how the policy you want to apply for covers your pre-existing condition. Do it  before purchasing insurance! Please click here for more information or call us for consultation!
WHEN to buy Travel Medical Insurance Visitors to Canada?
Generally, medical insurance for Visitors to Canada may include coverage for STABLE pre-existing medical conditions. It means that the policy pays for emergency medical expenses relating to a pre-existing condition if this condition has been stable within a stability period before the effective date of the policy. Stability period may be 90 days, 120 days or 180 days depending on the policy. Basically, stable means: there were no new symptoms, no new medications, no alteration in medications and dosage, no hospitalization, no new treatment or consultation scheduled within this stability period.
        Insurance Providers and Plans       
Visitors insurance does not cover everything. This policy has exclusions, conditions and limitations.
A pre-existing medical condition exclusion is one of the most important exclusions in Visitors insurance policy. Pre-existing medical condition means a medical condition that exists before your effective date of insurance. It may be high blood pressure, diabetes, heart condition, lung disease, etc.
    Insurance Providers and        Plans
 
Savings
Deductible: Deductible means the portion of eligible expenses you must pay from your own pocket when a claim occurs. The higher deductible, the less insurance cost: discount may be 5% - 40% depending on the deductible amount and the plan. When applying for medical insurance, you can choose one of deductible options: $0, $75, $100, $250, $500, $1,000, $3,000, $5,000, $10,000.
WHAT to Do in the Event of an Emergency?
In the event of sickness or injury which may result in claim, you or somebody else must call the insurer’s Assistance Centre IMMEDIATELY at the telephone numbers shown on your policy confirmation.  When contacting the Assistance Centre, you have to provide your name, your policy number, your location and the nature of your emergency.
To make a claim for benefits under this policy, you will need to send a completed claim form to the insurer (usually, within 30 days after the expense or loss is occurred). All claims must be supported by original receipts and other documentation that may be required or requested by the insurer.
HOW to Extend Your Coverage
Return Home Early or Get Provincial Health Care Coverage

It is better to buy Visitors to Canada insurance before you left your home country. If the policy is purchased after arrival in Canada, or after the expiry date of your existing policy, a claim waiting period applies to any sickness, which may happen within 2-7 days after the policy effective date (depending on the plan).
Waiting Period means a period, during which premiums are payable but claims resulting from any sickness will be not eligible for reimbursement.
1-877-443-0101
Visitors to Canada Travel
Medical Insurance
Family coverage (for 3 or more family members) is available with many insurance providers. The premium for Family coverage is calculated at two times the premium for the eldest adult. Some insurance companies offer a 5% discount for coverage for a couple.
You can purchase Visitors to Canada insurance online directly from the insurer:
This page is intended for those who are going to visit Canada or to move to Canada. Welcome!
Here, you can get free online instant quotes for Visitors to Canada Medical Insurance from various Canadian insurance providers and find information about medical coverage, exclusions and limitations, refunds and what to do if you got sick or injured.
Please Click here, if you want to get a quote for Visitors to Canada medical insurance on your email and your best quote will be sent to you within one business day.
HOW you can buy Visitors to Canada Insurance?
Some other exclusions: Visitors to Canada insurance does not cover:
     - regular check-ups and ongoing care;
     - any medical condition that caused your physician to advise you not to travel;
     - your routine prenatal care and childbirth;
     - high-risk activities and professional sports;
     - loss, death or injury that is contributed to by the abuse of drugs, alcohol or any other intoxicant.
Refer to the policy wording for a full list of exclusions and limitations of the policy.
On this page,  you can get ONLINE instant quotes for Visitors to Canada Medical Insurance from various Canadian insurance providers, compare plans and select your best affordable visitors insurance option, buy your policy online directly from the insurer.
Visitors Insurance provides medical coverage for those who are living, studying, traveling, returning to Canada and not eligible for or do not have a provincial health care insurance plan. Cost of Visitors to Canada insurance depends on the amount of coverage, deductibles, the visitor's age and health. There is no age limit to apply for Visitors to Canada insurance. Visitors over 70, 80, 85, 90 years old traveling to Canada are welcome.
Period of coverage
You can buy Visitors to Canada insurance for any number of days up to 365 days. Option for 18 month coverage is also available. If you need longer coverage, you can reapply as long as you are eligible for this insurance. You also have an option to buy medical insurance for two years, if you apply for a  monthly payment Visitors to Canada insurance plan with the 21st Century Travel.
If you decide to stay in Canada longer than planned, you can extend your coverage, provided you make your request before the expiry date of your existing policy, you have had no change in your health status, and have had no event that has resulted or may result in a claim since the effective date of insurance. Otherwise, the extension is subject to the approval of the insurer.
If you return home or obtain a Canadian government health plan  before the policy expiry date, you can ask for a refund of the premium for the unused days, provided you have not reported or initiated a claim.
WHO can apply for Visitor insurance ?
Travelers visiting Canada, tourists, New immigrants (permanent residents, landed immigrants, newcomers) from any country (Russia, China, Pakistan, Bangladesh, Iran, India, Ukraine, Moldova, Belarus, Philippines, etc.) who are awaiting government health care coverage, Canadian citizens who are not eligible for  a government health care plan, returning Canadians, foreign workers (work permit holders) can buy this individual or family medical insurance.
All Visitors to Canada health (medical) insurance plans offered on this website meet the requirements for super visa application  for parents and grandparents visiting Canada. For information, please click here.
International Students studying in Canada can also apply for  Student Medical insurance (study in Canada) .
When your parents, relatives, friends are going to visit you in Ontario, Alberta, British Columbia, Manitoba, Saskatchewan, Nova Scotia, or other Canadian provinces, take care of purchasing this Canadian travel health insurance for your visitors. 
Hospitals can charge thousands of dollars per day. If you and your family are not covered under a Provincial Health Insurance program and do not have private health insurance, you and your family could be responsible for these medical expenses, which creates a severe financial burden.

Who can apply for Visitors Insurance?

Travelers visiting Canada, tourists, New immigrants (permanent residents, landed immigrants, newcomers) from any country (Russia, China, Pakistan, Bangladesh, Iran, India, Ukraine, Moldova, Belarus, Philippines, etc.) who are awaiting government health care coverage, Canadian citizens who are not eligible for  a government health care plan, returning Canadians, foreign workers (work permit holders) can buy this individual or family medical insurance.
All Visitors to Canada health (medical) insurance plans offered on this website meet the requirements for super visa application  for parents and grandparents visiting Canada. For more information please click here.
International Students studying in Canada can also apply for  Student Medical insurance (study in Canada) .
When your parents, relatives, friends are going to visit you in Ontario, Alberta, British Columbia, Manitoba, Saskatchewan, Nova Scotia, or other Canadian provinces, take care of purchasing this Canadian travel health insurance for your visitors. 
Hospitals can charge thousands of dollars per day. If you and your family are not covered under a Provincial Health Insurance program and do not have private health insurance, you and your family could be responsible for these medical expenses, which creates a severe financial burden.

What does Visitors Insurance cover?

Visitors to Canada Medical Insurance covers an unexpected, unforeseen sickness or injury that may happen during the period of coverage and requires immediate medical treatment.
Benefits
Visitors medical insurance benefits usually include:
   - hospitalization and medical services (inpatient and outpatient) at the time of an emergency,
   - diagnostic tests required by a physician,
   - use of licensed ambulance services,
   - medications prescribed by a physician,
   - accidental dental and dental emergency,
   - repatriation,
   - return you home if recommended by your attending physician, and more.
Payment for each benefit is limited to the amount specified in the policy.
Pre-existing medical conditions may be covered provided these conditions are stable as it is defined in the policy.
Amount of coverage (Sum Insured)
Amount of coverage (or Aggregate Policy Limit or Sum Insured) means the maximum amount the insurance company will pay you regardless of the  cost  of Insured Services received by you. Insurance companies issue Visitors insurance policies with Amount of coverage from $10,000 to $300,000.
Period of coverage
You can buy Visitors to Canada insurance for any number of days up to 365 days. Option for 18 month coverage is also available. If you need longer coverage, you can reapply as long as you are eligible for this insurance. You also have an option to buy medical insurance for two years, if you apply for a  monthly payment Visitors to Canada insurance plan with the 21st Century Travel.
Savings
Deductible: Deductible means the portion of eligible expenses you must pay from your own pocket when a claim occurs. The higher deductible, the less insurance cost: discount may be 5% - 40% depending on the deductible amount and the plan. When applying for medical insurance, you can choose one of deductible options: $0, $75, $100, $250, $500, $1,000, $3,000, $5,000, $10,000.
Family coverage (for 3 or more family members) is available with many insurance providers. The premium for Family coverage is calculated at two times the premium for the eldest adult. Some insurance companies offer a 5% discount for coverage for a couple.

Extend You Coverage or Get Refund

If you decide to stay in Canada longer than planned, you can extend your coverage, provided you make your request before the expiry date of your existing policy, you have had no change in your health status, and have had no event that has resulted or may result in a claim since the effective date of insurance. Otherwise, the extension is subject to the approval of the insurer.
If you return home early or obtain a Canadian government health plan  before the policy expiry date, you can ask for a refund of the premium for the unused days, provided you have not reported or initiated a claim.

Coverage for Pre-Exig Conditions

Visitors insurance does not cover everything. This policy has exclusions, conditions and limitations.
A pre-existing medical condition exclusion is one of the most important exclusions in Visitors insurance policy. Pre-existing medical condition means a medical condition that exists before your effective date of insurance. It may be high blood pressure, diabetes, heart condition, lung disease, etc.
Generally, medical insurance for Visitors to Canada may include coverage for STABLE pre-existing medical conditions. It means that the policy pays for emergency medical expenses relating to a pre-existing condition if this condition has been stable within a stability period before the effective date of the policy. Stability period may be 90 days, 120 days or 180 days depending on the policy. Basically, stable means: there were no new symptoms, no new medications, no alteration in medications and dosage, no hospitalization, no new treatment or consultation scheduled within this stability period.
If you have a pre-existing medical condition and take medications, please  learn how the policy you want to apply for covers your pre-existing condition. Do it  before purchasing insurance! Please click here for more information or call us for consultation!
Some other exclusions: Visitors to Canada insurance does not cover:
     - regular check-ups and ongoing care;
     - any medical condition that caused your physician to advise you not to travel;
     - your routine prenatal care and childbirth;
     - high-risk activities and professional sports;
     - loss, death or injury that is contributed to by the abuse of drugs, alcohol or any other intoxicant.
Refer to the policy wording for a full list of exclusions and limitations of the policy.

What to Do in the Case of Emergency?

In the event of sickness or injury which may result in claim, you or somebody else must call the insurer’s Assistance Centre IMMEDIATELY at the telephone numbers shown on your policy confirmation.  When contacting the Assistance Centre, you have to provide your name, your policy number, your location and the nature of your emergency.
To make a claim for benefits under this policy, you will need to send a completed claim form to the insurer (usually, within 30 days after the expense or loss is occurred). All claims must be supported by original receipts and other documentation that may be required or requested by the insurer.

When and How to Buy Insurance?

It is better to buy Visitors to Canada insurance before you left your home country. If the policy is purchased after arrival in Canada, or after the expiry date of your existing policy, a claim waiting period applies to any sickness, which may happen within 2-7 days after the policy effective date (depending on the plan).
Waiting Period means a period, during which premiums are payable but claims resulting from any sickness will be not eligible for reimbursement.
You can purchase Visitors to Canada insurance online directly from the insurer:
1.  Enter your information in the Section Get Your Instant Quote.
2. Click Submit Button,
3.Compare the plans and prices. Choose the plan and click Buy Online

Or just click menu Insurance Providers and Plan Details below.