A Canadian insurer knows and understands the Canadian healthcare system and has the expertise to help you access the best care. Canadian hospitals are familiar with these Canadian insurers, which can simplify your claims process and save you from having to pay thousands of dollars upfront during an emergency and wait for reimbursement.

Our plans allow travel outside Canada if:

1. Your trip begins and ends in Canada

• You must be in Canada before leaving and return to Canada afterward (it cannot be a one-way trip abroad).

2. You spend the majority of your insured time in Canada

• Some insurers may require that more than 50% of your insured period is spent in Canada.

If you have Super Visa insurance, you can travel outside Canada as long as you spend the majority of your time in Canada. Your trip must begin and end in Canada. The trip length outside Canada differs from one policy to another.

You should always purchase Visitor to Canada insurance before entering Canada. If you are already in Canada and do not have coverage, an initial waiting period of typically 48 hours for illness will apply before the coverage becomes fully effective.

Yes, you can buy Visitor Insurance, but only if:

You are not yet covered under a provincial or territorial health plan (like OHIP in Ontario). This often applies when:

• You’ve been outside Canada long enough that your provincial health coverage has lapsed
• You are returning and there’s a waiting period before provincial health coverage is reinstated (typically up to 3 months)