Travel Insurance
A provincial health card stops at the border, and emergency care here is not free for visitors. Both gaps close with one short conversation.
Visitors
For parents, family and friends visiting you, and for new residents waiting out the provincial health-coverage waiting period.
- · $25,000 to $500,000 in emergency medical
- · Hospital, doctor, prescriptions, ambulance
- · Stable pre-existing conditions covered on eligible plans
- · Deductible choices to lower the premium
Super Visa Insurance
Parent and grandparent Super Visa applications require proof of medical coverage. I issue the policy and the confirmation letter for the application.
- · Meets the $100,000 minimum requirement
- · Valid for one year from the date of entry
- · Monthly payment plans accepted
- · Refund of the unused portion if the visa is refused
Trips abroad
Single-trip and annual multi-trip plans for holidays, business travel and long winters in the south.
- · Emergency medical abroad, 24/7 assistance line
- · Trip cancellation and interruption
- · Baggage loss and flight delay
- · Top-ups for extended stays in the U.S.
Most policies must be purchased before arrival or before departure, and pre-existing conditions are only covered if they have been stable for a defined period. A five-minute call before the ticket is booked avoids the most common and most expensive mistake.
Travel, visitor and Super Visa insurance explained
Provincial health coverage does not travel with you, and it does not extend to visitors. A single emergency room visit in Canada can cost a visitor thousands of dollars; a hospital stay can reach five figures. Emergency medical travel insurance closes that gap.
For parents and grandparents applying under the Super Visa, coverage is not optional — Immigration, Refugees and Citizenship Canada requires proof of Canadian medical insurance with at least $100,000 of coverage, valid for a minimum of one year from the date of entry. We issue the policy and the confirmation letter that goes with the application, usually the same business day.
Timing is everything. Most policies must be purchased before arrival in Canada or before departure abroad, and pre-existing conditions are only covered if they have been stable for a defined period before the effective date. Buying after a trip begins limits your options considerably.
For Canadians travelling out of the country, single-trip plans suit a holiday, while annual multi-trip plans are usually cheaper for anyone flying more than twice a year. Snowbirds spending winters in the United States often need a top-up beyond the standard maximum stay.
- · Super Visa policies with IRCC confirmation letters
- · Visitors to Canada — $25,000 to $500,000
- · New residents in the provincial waiting period
- · Single-trip and annual multi-trip plans
- · Snowbird and extended-stay top-ups
- · Trip cancellation and interruption
- · Stable pre-existing condition coverage
- · Monthly payment options
Frequently asked questions
How much Super Visa insurance is required?+
A minimum of $100,000 in emergency medical coverage, valid for at least one year from the date of entry, from a Canadian insurer or an approved foreign one.
Can I pay monthly for a Super Visa policy?+
Yes. Monthly payment plans are accepted for Super Visa applications and spread what is otherwise a significant one-time premium.
What if the visa is refused?+
Most carriers refund the unused portion of the premium when a Super Visa is refused, on presentation of the refusal letter. We confirm the exact refund terms in writing before you buy.
Are pre-existing conditions covered?+
On eligible plans, yes — provided the condition has been stable for a defined period before coverage begins. Stability periods vary by carrier and by age, which is where comparing plans matters most.
When should visitors buy coverage?+
Before arrival in Canada. Policies bought after arrival often carry a waiting period, and some carriers will not issue coverage at all once the visitor has landed.
Do I need travel insurance if I have a credit card benefit?+
Often not enough. Credit card travel coverage typically caps the number of days, excludes many pre-existing conditions, and may require you to have paid for the trip with that card. We read the terms with you.