Updated October 21, 2026 · By Pankaj Bhatia
Start with the trip
Confirm traveller ages, visit dates, expected province and any side trips. Most visitors do not qualify for provincial emergency health coverage.
Read the coverage
Compare emergency hospital and physician benefits, maximum limits, deductibles, emergency assistance and exclusions. Routine medical care and maintenance prescriptions may not qualify.
Be careful with exclusions
Ask about pre-existing conditions, waiting periods for in-Canada purchase, and whether travel outside Canada is permitted under the policy.
Important: A policy is not a visa approval. Compare the actual insurer policy, medical stability clauses, deductibles and cancellation terms before purchasing.