Visitors to Canada Emergency Medical Insurance (VTC)
Welcome to Canada. We have your back if you have a medical emergency.
Are you visiting Canada as a tourist? Applying for a super visa? Here on an IEC working holiday? Waiting for your provincial health coverage to start? Our Visitors to Canada Emergency Medical Insurance Plans (VTC) help provide financial protection for unexpected medical emergencies. Available for visitors 15 days old to 85 years of age.
You choose your coverage amount and your deductible, and pay monthly if you are visiting for 90 days or more.
Travelling with family? Our Family Rate is simple: you pay two times the price of the oldest person. That covers you, your partner, and your dependent children or grandchildren, all in one policy.
Super Visa Ready: Built to meet the government's insurance requirements for the super visa, when purchased according to Canadian government requirements.
Our plans can be used as super visa insurance, if you buy them according to Canadian government requirements.
Pick one of two plans:
- The Essential Plan is for visitors who are healthy, do not take any medication, and are looking for an affordable plan.
- The Premier Plan is our recommended plan. It covers more. It provides upgraded benefits and accidental death and dismemberment coverage. Coverage is provided for stable pre-existing conditions (some conditions apply).
Compare our two plans side by side.
| Benefit | Essential Plan | Premier Plan |
|---|---|---|
| Maximum Duration | 558 Days | 558 Days |
| Emergency Medical | $25,000, $50,000, $100,000, or $150,000 | $25,000, $50,000, $100,000, or $150,000 |
| Hospitalization | Included (Semi-Private) | Included (Semi-Private) |
| Services of Physician, Surgeon, In-Hospital Nurse | Included | Included |
| Ambulance | Included | Included |
| Diagnostic, Laboratory & X-Rays | Included | Included |
| Therapeutic Equipment Rental & Purchase | Included | Included |
| Prescription Medications | 30 day supply, up to $1,000 | 30 day supply, up to $10,000 |
| Accidental Death & Dismemberment | N/A | Up to the plan limit chosen to a maximum of $100,000 |
| Pre-Existing Condition Coverage | N/A | 0-79 - 180 Day Stable Pre-Ex Conditions, 70-79 180 Day Stable Pre-Ex Conditions (Pre-Ex Heart, Brain, Lung Condition Excluded), 80-85 Pre-Ex Not Included |
| Emergency Return Home | Included | Included |
| Emergency Dental | Injury $2,000 Pain and Suffering $300 | Injury $5,000 Pain and Suffering $600 |
| Repatriation of Remains | $10,000 | $16,000 |
| Cremation/Burial At Destination | $4,000 | $6,000 |
| Identification of Remains | Round-Trip Airfare + $450 Expenses | Round-Trip Airfare + $450 Expenses |
| Follow-Up Visits | $3,000 and 3 Visits | $5,000 and 3 Visits |
| Emergency Paramedical | $300 Per Category | $750 per category |
| Visit to Bedside | Round-Trip Airfare + $3,000 Expenses | Round-Trip Airfare + $5,000 Expenses |
| Accommodation & Meals (Incl. Child Care) | $3,000 | $5,000 |
| Return/Escort of Dependent Children | Included | Included |
| Incidental Expenses | $500 | $800 |
| Return of Baggage & Personal Effects | $500 | $800 |
| Deductible Options | $0 (Base) $250 (-10%) $500 (-15%) $1,000 (-20%, Age 60-85) $1,000 (-30%, Age 0-59) $5,000 (-30%) $10,000 (-45%) | $0 (Base) $250 (-10%) $500 (-15%) $1,000 (-20%, Age 60-85) $1,000 (-30%, Age 0-59) $5,000 (-30%) $10,000 (-45%) |
| Family Rate* | 2x Eldest Insured Rate | 2x Eldest Insured Rate |
| Policy Wording | Essential Plan Wording | Premier Plan Wording |
Coverage under this plan is only for emergencies and does not include routine check-ups. For the definition of ’emergency’, please review the ’definitions’ section of the policy wording. Emergency medical insurance purchased for the purposes of the parent and grandparent super visa must meet IRCC requirements. This is a brief description of coverage. Please see policy wording for complete benefits, definitions, exclusions, limitations, terms and conditions.
*The family rate is designed for a single adult or couple travelling with one or more dependents. A dependent means any insured unmarried person who is dependent upon you for support, is travelling with you or who joins you during your period of coverage and is either: Under 21 years of age; Under 26 years of age, if a full time student; or Of anyone who is mentally or physically handicapped. The Family Rate is calculated at the eldest insured’s premium multiplied by two.
Underwritten by Old Republic Insurance Company of Canada.
Who can buy?
- Ages 15 days old up to 85 years old.
- You must also meet the rules in the policy wording.
Special Features
- Cover a trip as short as 7 days or as long as 18 months.
- Help is there day and night, with 24/7 multilingual travel assistance.
- Buy before you leave, and your coverage starts when you leave your home country.
- Going home early? Pro-rated refunds available.
- If your visa is denied, you can cancel your policy for a full refund.
- Special prices for families.
- 10-Day Right to Examine: You get 10 days to read your policy. Changed your mind? You may be able to cancel. See policy wording for the rules.