Parents visiting Canada face high emergency-care costs because provincial health plans do not cover visitors. A single ER visit, diagnostics, and prescriptions can reach thousands of dollars. Visitor medical insurance transfers this risk to an insurer and protects family finances during reunions in Canada.
For Super Visa entrants, private medical insurance from a Canadian insurer is mandatory before arrival, typically requiring at least $100,000 coverage, validity for a minimum of one year from entry, and inclusion of hospitalization, health care, and repatriation. For regular visitor visas, insurance is strongly recommended to avoid out-of-pocket exposure.
MS Insurance collaborates with major Canadian carriers, offering visitor-to-Canada medical plans with coverage options from $10,000 to $1,000,000. Average premiums start around $60 per month, varying by age, pre-existing conditions, deductible, coverage limit, and duration of stay.
What visitor medical insurance typically covers
- Emergency hospital and physician services
- Diagnostic tests, ambulance, prescription drugs (emergency), medical equipment
- Emergency dental for accidental injury
- Repatriation and return of remains
- Some plans include virtual care and 24/7 assistance
Key limitations to review carefully
- Pre-existing conditions: stability periods (often 90–180 days) and age-specific questionnaires
- Exclusions: routine check-ups, preventive care, maternity, mental health in many plans
- Sports, high-risk activities, and alcohol-related events often excluded
- Waiting periods if bought after arrival or after a lapse in coverage
How to choose the right plan
- Purpose and length of stay: single-trip vs. multi-trip, Super Visa compliance
- Coverage limit: at least $100,000 for Super Visa; higher limits recommended for seniors.
- Deductible: higher deductible lowers premium but increases out-of-pocket costs
- Pre-existing condition coverage: confirm stability definitions and look-back windows
- Direct-billing networks and 24/7 claims support
Claims readiness
- Keep policy number, emergency assistance phone, and ID handy at all times
- In an emergency, contact the insurer’s assistance line before treatment when possible
- Save medical records, invoices, and prescriptions; submit promptly
Timing and documentation
- Purchase before arrival for full benefits and to meet Super Visa requirements
- Carry proof of insurance for border inspection and medical providers
MS Insurance can compare quotes across leading carriers, tailor limits from $10,000 to $1,000,000, and align benefits with Super Visa or visitor needs after thorough review of terms and conditions to prevent claim-time surprises.