Canada continues to be one of the most popular destinations in the world for immigrants and international travelers. Whether you’re visiting as a tourist, arriving as a new permanent resident, working temporarily, or studying at a Canadian institution, having travel or health insurance is an essential part of protecting yourself financially and medically.
In 2024–2025, the Canadian healthcare system, though publicly funded for citizens and permanent residents, does not automatically cover newcomers, tourists, or temporary visa holders. That’s why Canada travel insurance for immigrants is vital — not only to fulfill visa requirements in some cases, but also to ensure peace of mind while living or traveling in the country.
This comprehensive guide covers everything you need to know about travel insurance in Canada for immigrants, including coverage options, legal requirements, pricing, how to choose the best plan, and what to do during a medical emergency.
Why Travel Insurance is Important for Immigrants in Canada
Canada is known for its world-class healthcare system. However, not everyone is covered under public health insurance, especially upon arrival. Waiting periods, provincial eligibility rules, and visa restrictions can leave many immigrants and visitors without protection.
Key reasons travel insurance is essential:
-
Healthcare is not free for everyone.
-
Hospital visits can cost CAD $1,000+ per day without insurance.
-
Some provinces have waiting periods (e.g., 3 months in Ontario or British Columbia) before public coverage begins.
-
Accidents and illnesses can happen anytime.
-
Visa requirements: Some study or visitor visas require proof of insurance.
Who Needs Travel Insurance in Canada?
| Immigrant Status | Is Travel Insurance Recommended? | Notes |
|---|---|---|
| New Permanent Residents | ✅ Yes (initial 3 months) | May face waiting period for public insurance |
| Work Permit Holders (e.g., IEC) | ✅ Yes | May not be covered immediately |
| International Students (Study Permit) | ✅ Yes | Most provinces require it |
| Visitors (Tourist Visa – TRV) | ✅ Yes | Medical costs are 100% out-of-pocket |
| Refugees & Asylum Seekers | ✅ Yes | May receive interim federal health assistance |
| Super Visa Applicants | ✅ Mandatory | Must show proof of private insurance for 1 year |
1. Visitor to Canada Insurance
Designed for tourists, parents, or friends visiting Canada temporarily.
Covers:
-
Emergency medical expenses
-
Hospitalization
-
Emergency dental
-
Repatriation
-
Accidental death
2. Super Visa Insurance
Mandatory for parents or grandparents applying for a Super Visa. The Canadian government requires proof of private medical insurance for at least one year.
Requirements:
-
Minimum coverage of CAD $100,000
-
Must be valid for 365 days
-
Should cover healthcare, hospitalization, and repatriation
3. New Immigrant/Waiting Period Insurance
For those who have just moved to Canada as a permanent resident and are waiting for public health insurance eligibility.
Best for: Ontario, BC, Quebec, and other provinces with 2–3 month waiting periods.
4. Student Travel Insurance
For international students studying on a Study Permit. Many provinces or schools require proof of insurance.
Covers:
-
Doctor visits
-
Hospitalization
-
Diagnostic tests
-
Prescription drugs
-
Mental health support
5. Work Permit Travel Insurance
For immigrants working temporarily in Canada on visas like IEC (Working Holiday), LMIA, or Open Work Permits.
Includes:
-
Emergency health coverage
-
Optional travel delay/baggage coverage
-
Some plans offer COVID-19 protection
What Does Canadian Travel Insurance Cover?
Coverage varies by plan, but most policies include:
Medical Benefits
-
Doctor visits
-
Emergency hospitalization
-
Ambulance transport
-
Prescription medications (in emergencies)
-
Emergency dental treatment
Travel Benefits
-
Trip interruption/cancellation
-
Lost or delayed baggage
-
Emergency evacuation
-
Return of remains
Optional Add-ons
-
Pre-existing condition coverage
-
Accidental death and dismemberment
-
COVID-19 treatment
Note: Routine checkups, cosmetic procedures, and chronic care are often excluded.
Top Insurance Providers for Immigrants in Canada (2024–2025)
| Insurance Provider | Popular Plans | Best For |
|---|---|---|
| Manulife | CoverMe, Super Visa Insurance | Visitors, super visa, students |
| Allianz Global | Visitor Medical Plan | Short-term travelers |
| Blue Cross | Travel and International Student Plans | Newcomers and international students |
| Tugo | Visitors to Canada | Super visa applicants and tourists |
| GMS (Group Medical Services) | Immigrants & Newcomers Plans | PRs waiting for provincial coverage |
| Ingle International | TravelStar Canada, StudentsPlan | IEC visa holders and students |
Compare and buy online at:
https://www.insuremytrip.ca
https://www.kanetix.ca
Estimated Costs of Travel Insurance in Canada
| Visitor Type | Monthly Premium (CAD) |
|---|---|
| Student (under 30) | $40 – $90 |
| Tourist (age 25–50) | $50 – $100 |
| Elderly Visitor (60–75) | $120 – $250 |
| Super Visa Applicant (65+) | $1,500 – $2,500/year |
| New PR (during waiting period) | $70 – $150 |
Prices vary by age, duration, and coverage amount.
Provincial Health Insurance Waiting Periods (2024–2025)
| Province | Waiting Period for PRs | Notes |
|---|---|---|
| Ontario (OHIP) | 3 months | Apply immediately after arrival |
| British Columbia | Up to 3 months | Can apply for MSP during wait |
| Quebec | 3 months | Exceptions for special cases |
| Alberta | None | Coverage starts from day of arrival |
| Nova Scotia | 3 months | Visitors not eligible |
| Manitoba | 3 months | Applies to newcomers and students |
✅ Step-by-step:
-
Determine your status: Visitor, student, worker, PR
-
Choose coverage amount: At least CAD $100,000 for Super Visa or long stays
-
Compare plans: Use aggregators or go directly to insurer sites
-
Check exclusions: Pre-existing conditions? Pregnancy? Sports injuries?
-
Pay and get policy certificate: You’ll receive documents by email or download
Tip: If applying for Super Visa or Study Permit, print proof of insurance for visa officers.
What Happens If You Need Medical Care Without Insurance?
Without insurance:
-
A hospital stay may cost CAD $3,000–$7,000 per night
-
An ambulance ride: CAD $500–$1,000
-
Surgery: CAD $10,000+
You’ll be billed directly and may be denied non-emergency care if you can’t pay upfront. This is why insurance is essential.
Common Mistakes to Avoid
| Mistake | Better Option |
|---|---|
| Buying cheapest plan only | Compare coverage not just price |
| Not reading exclusions | Review fine print carefully |
| Assuming visa = insurance | Many visa types don’t include it |
| Delaying insurance purchase | Buy before or right after arrival |
| Ignoring pre-existing conditions | Choose plans that cover them |
-
Pick the right plan type (visitor, student, super visa)
-
Ensure provider is Canadian or accepted locally
-
Choose CAD $100,000+ in coverage
-
Look for plans with 24/7 emergency assistance
-
Consider bilingual customer service (English + your native language)
What To Do in a Medical Emergency in Canada
-
Call your insurance company first
(unless it’s a life-threatening emergency – then call 911) -
Use in-network providers (if applicable)
-
Keep all receipts
For doctor visits, prescriptions, or hospital stays -
Submit claims within 90 days
Many insurers let you upload claims online -
Keep your policy card with you
You’ll need it to confirm eligibility
Can You Extend or Cancel Travel Insurance?
Yes. Most plans are extendable as long as:
-
You haven’t had a claim
-
You’re still eligible by age or visa status
Cancellation is possible if:
-
Your visa is denied
-
You leave Canada early
-
You enroll in public healthcare earlier than expected
Refunds may be partial or full depending on provider terms.
Conclusion
Travel insurance for immigrants in Canada is not just a recommendation—it’s a necessity. From new residents to visiting family members, having the right coverage ensures access to essential health services and protection from unexpected costs.
With affordable monthly rates and flexible options, travel insurance bridges the gap while you wait for public health coverage or explore the country on a temporary visa. It also gives you peace of mind—so you can focus on settling into your new life in Canada with confidence.
Whether you’re staying for 2 weeks or planning to call Canada home, make insurance your first investment.
