Travel Insurance in Canada

Super Visa, Student, Visitors & Canadian Travel Coverage – 2026 Guide. Unexpected medical emergencies can cost thousands. Protect yourself from high medical bills and trip interruptions.

Mandatory

Super Visa Insurance

Required for parents and grandparents visiting Canada on a Super Visa.

Min $100,000 coverage
Valid for min 1 year
Hospitalization & Repatriation

For Learners

Student Insurance

Coverage for international students in Canada or Canadians studying abroad.

Emergency medical & drugs
Mental health support
Accidental injury coverage

For Tourists

Visitors to Canada

Essential protection for tourists, visiting family, or business travelers.

ER visits & Hospital stays
Physician & Diagnostic services
Prescription medications

For Canadians

Canadian Travel Plan

Coverage for trips outside Canada or outside your home province.

Trip cancellation & interrupt
Lost baggage & Flight delays
Emergency medical abroad

Coverage Comparison

Plan Type	Who It’s For	Medical Coverage	Required for Visa?
Super Visa	Parents/Grandparents	Yes (min $100K)	Yes
Student	International Students	Yes	Often
Visitors	Tourists/Family	Yes	Recommended
Canadian Travel	Canadians Traveling	Yes	No

Estimated Costs (2026)

Premiums depend on age, destination, trip length, and medical history.

Super Visa

$1,000 – $2,500

per year

Visitors

$75 – $250

per month

Student

$600 – $1,200

per year

Canadian Travel

$40 – $150

per 2 weeks

What Does It Actually Cover?

Emergency Medical & Hospitalization
Physician Services & Diagnostics
Repatriation to home country
Trip Cancellation & Interruption
Lost baggage & Flight delays

Key Clauses to Check

Stability Clause

Many policies require pre-existing conditions to be stable for 90, 180, or 365 days before the trip.

Deductible Options

Choosing a higher deductible (e.g., $1,000) can lower your premium by up to 20-30%.

Refund Policies

Essential for Super Visa applicants: ensure partial refunds are available if the visa is denied.

Common Pitfalls to Avoid

Not checking stability clauses

Waiting until the last minute

Inaccurate medical history

Choosing lowest coverage amount

Frequently Asked Questions

Yes — as required by Immigration, Refugees and Citizenship Canada (IRCC). The policy must be valid for at least one year and provide a minimum of $100,000 in emergency medical coverage.

Coverage depends specifically on the policy wording. Most modern plans include COVID-19 coverage, but it's essential to review the exclusions and stability clauses for any pre-existing conditions.

Yes, but be aware that most plans will have a mandatory waiting period (typically 48-72 hours) for illness coverage if purchased after arrival.

Absolutely. A single emergency room visit in the U.S. or a medical evacuation can cost tens of thousands of dollars. Even a short 3-day trip warrants protection.

Travel with Total Peace of Mind

Don't let an unexpected emergency ruin your trip or your finances. Work with our experts to find the right coverage for your lifestyle.