Quick Answer
Visitor insurance is emergency medical coverage for people visiting Canada who aren't covered by provincial health care. It protects against costly emergencies — a single hospital day can cost thousands for non-residents. Coverage amounts and terms are flexible. Ekbir Singh compares options in English, Punjabi and Hindi.
Who needs visitor insurance
- Parents and grandparents visiting on a visitor visa or eTA
- Relatives and friends visiting for any length of stay
- Newcomers waiting out the provincial health coverage waiting period
Visitor vs Super Visa insurance
| Visitor Insurance | Super Visa Insurance | |
|---|---|---|
| Purpose | General visits | Meets IRCC Super Visa rules |
| Min. coverage | Flexible | $100,000+ required |
| Term | Days to 1 year | 1 year from entry minimum |
Common mistakes
- Assuming provincial health care covers visitors — it doesn't
- Skipping pre-existing condition coverage when it's needed
- Waiting until after an emergency to think about coverage
Welcoming family to Canada?
Get a free visitor insurance quote and protect your guests against unexpected medical costs.
Frequently Asked Questions
What is visitor insurance?
Emergency medical coverage for people visiting Canada not covered by provincial health care — parents, relatives, tourists or newcomers in the waiting period.
How is it different from Super Visa insurance?
Super Visa insurance meets IRCC's specific rules ($100K+, 1-year minimum, eligible insurer). Visitor insurance is more flexible — shorter terms and varied amounts — ideal for shorter visits.
Does it cover pre-existing conditions?
Some plans cover stable pre-existing conditions subject to a stability period. Terms vary widely by insurer and age. I help you find plans suited to your visitor's situation.
Can I buy it after my relative arrives?
Often yes, though some plans have a waiting period for post-arrival purchase. It's usually best to arrange coverage before or right at arrival.
Last updated: June 27, 2026