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35 VISA-FREE Countries for Canadian PR Holders [2024 Edition]

Updated: February 11, 2024 Leave a Comment

As a Canadian PR card holder, you can enjoy VISA-FREE travel to certain countries. As of 2024, there are 35 VISA-FREE countries for Canadian PR holders. This includes Mexico, countries in the Caribbean, Central America, Europe and Asia.

In this article, you will learn which countries Canadian permanent residents can travel to without visa along with the duration of stay and entry requirements for those countries.

So without further due, let’s get started.

What are the visa-free countries for canadian pr holders in 2024.

The VISA-FREE countries for Canadian PR holders in 2024 are:

Anguilla (British Territory) (90 days)
Antigua and Barbuda (30 days)
Armenia (VOA for 21 or 120 days, select nationalities only)
Aruba (30 days)
Bahamas (30 days)
Belize (30 days)
Bermuda (British Territory) (30 days)
Bonaire (Dutch Territory) (90 days)
Cayman Islands (British Territory) (30 days)
Costa Rica (30 days)
Curaçao (90 days)
Dominican Republic (90 days)
El Salvador (90 days)
Georgia (90 days)
Guatemala (90 days)
Honduras (90 days)
Japan (eVisa, 90 days)
Jordan (eVisa, 90 days)
Mexico (180 days or less)
Moldova (90 days)
Montenegro (30 days)
Morocco (eVisa, 90 days)
Nicaragua (VOA, 30 days)
Oman (VOA for 30 days, select nationalities only)
Panama (30 days)
Peru (180 days)
Philippines (14 days, India only)
Qatar (eVisa, 30 days)
Singapore (96 hours TWOV, India and China only)
Sint Maarten (30 days)
South Korea (30 days while transiting, select nationalities only)
Taiwan (eTA, 14 days, select nationalities only)
Thailand (eVisa, 60 days)
Turks and Caicos (British Territory) (90 days)
United Kingdom (24-hour entry while transiting)

How many countries you can visit with Canadian PR?

In 2024, you can visit 35 countries with a Canadian PR without requiring a separate visa. Your Canadian permanent resident card must be valid and should be accompanied by a valid passport from your country. Here are the requirements in short.

Must hold a valid Canada Permanent Resident card
Must hold a valid passport from your country of nationality
Must be from an eligible nationality and must follow entry requirements

Let’s look into each of these 35 Canadian PR VISA-FREE countries in detail.

North America

Eligible nationalities: All nationalities
Entry granted: Varies depending on the itinerary
Entry rule: Canada PR card must be valid for the entire stay in Mexico
Official source: National Institute of Migration in Mexico

Central America

Entry granted: 30 days
Official source: Consulate of Belize in Alberta, Canada

03. Costa Rica

Entry rule: Canada PR cards must be valid for at least 3 months from the day of arrival
Official source: Embassy of Costa Rica in Ottawa, Canada

04. El Salvador

Burkina Faso
Central African Republic
Côte d’Ivoire
Equatorial Guinea
Guinea-Bissau
Papua New Guinea
Philippines
Turkmenistan
Entry granted: 90 days total in the entire CA-4 zone (Guatemala, Honduras, El Salvador and Nicaragua)
If entering by air, a fee of 12 USD will be charged for a tourist card
If you have already entered Guatemala or Honduras, you can enter El Salvador from Guatemala or Honduras by land without any additional visa requirements as per CA-4 Border Control Agreement
Official source: IATA Travel Centre

05. Guatemala

Côte d´Ivoire
Dominican Republic
Entry rule: If you have already entered Honduras or El Salvador, you can enter Guatemala from Honduras or El Salvador by land without any additional visa requirements as per CA-4 Border Control Agreement.
Official source: Embassy of Guatemala in Ottawa, Canada

06. Honduras

Cote d’Ivoire
South Sudan
Entry rule: If you have already entered Guatemala or El Salvador, you can enter Honduras from Guatemala or El Salvador by land without any additional visa requirements as per CA-4 Border Control Agreement.

07. Nicaragua

Afghanistan
Bosnia and Herzegovina
Congo, Dem Rep of
Congo, Rep of
Sierra Leone
Timor-Leste
Visa is NOT EXEMPT, but are eligible to obtain Visa ON ARRIVAL
VOA fee is 50 USD, payable in USD, valid for 30 days, single-entry only
Besides VOA fee, there is a 10 USD tourist card fee, a 2 USD land border migration fee (for land border only) and 1 USD municipality tax (for land border only) (payable in USD only)
Canada PR must be valid for at least 6 months from the day of arrival
Must show proof of economic solvency for a minimum of 500 USD
Official source: Consulate of Panama in Toronto, Canada

RELATED: 53 countries you can travel VISA-FREE with a US visa in 2024

09. Anguilla (British Territory)

Entry granted: 90 days
Official Source: Anguilla Tourist Board, entry requirements

10. Antigua and Barbuda

VOA fee is 100 USD, valid for 30 days, single-entry only
Official source: Department of Immigration, Antigua and Barbuda
Official source: Netherlands Worldwide

12. Bahamas

If traveling directly from Canada, the Canada PR card must be valid for at least 3 months from the day of arrival
If not traveling directly from Canada, the Canada PR card must be valid for at least 6 months from the day of arrival
Official source: Bahamas Ministry of Tourism

13. Bermuda (British Territory)

Canada PR card must be valid for a minimum of 45 days beyond the date of departure from Bermuda
Passport must be valid for a minimum of 45 days beyond the date of departure from Bermuda
Official source: Government of Bermuda

14. Bonaire (Dutch Territory)

15. cayman islands (british territory).

Entry rule: On arrival, you must present a return ticket back to Canada (not to a third country)
Official source: Cayman Islands Customs and Border Controls

16. Curaçao

E ntry granted: 90 days

17. Dominican Republic

Entry rule: If arriving by land or sea, must purchase a Tourist Card on arrival for 20 USD. If arriving by air, the tourist card is included in the airfare.
Official source: Ministry of Tourism of Dominican Republic

18. Sint Maarten

19. turks and caicos (british territory).

Official source: Ministry of Border Control of Turks and Caicos

RELATED: 43 countries you can travel VISA-FREE with UK visa in 2024

South America

Entry granted: 180 days
Entry rule: Canada PR must be valid for at least 6 months from the day of arrival
Official source: Ministry of Foreign Affairs of Peru

Georgia entry and exit stamps in Thirumal's passport

21. Armenia

Marshall Islands
Saint Kitts and Nevis
Saint Lucia
Saudi Arabia
Solomon Islands
Trinidad and Tobago
Entry granted: 21 or 120 days
Visa is NOT EXEMPT but are eligible to obtain Visa ON ARRIVAL
VOA fee is 3,000 AMD, valid for 21 days, single-entry (OR) 15,000 AMD, valid for 120 days, single-entry
Official source: Ministry of Foreign Affairs of Armenia

22. Georgia

Canada PR must be valid on the day of arrival in Georgia
Total duration of consecutive stays must not exceed 90 days in any 180-day period
Official source: Ministry of Foreign Affairs of Georgia

23. Moldova

São Tomé and Príncipe
South Africa
Entry rule: Canada PR must be valid for the intended period of stay
Official source: Ministry of Foreign Affairs of the Republic of Moldova

24. Montenegro

Official source: Government of Montenegro

25. United Kingdom

Entry granted: 24 hours only (Transit Without Visa)
Visa is NOT EXEMPT, but are eligible to request a 24-hour entry at London (LHR) or Manchester (MAN) airports
You must be traveling to or from Canada
Must arrive and depart by air
Must hold the boarding pass for the onward flight
Onward flight must be within 24 hours (on the same day or the next day before midnight)
Granting the 24-hour entry is at the sole discretion of the immigration officer
Official source: GOV.UK

RELATED: 53 countries you can travel VISA-FREE with Schengen visa in 2024

Middle East

Congo, Dem. Rep. Of
Guinea Bissau
Visa is NOT EXEMPT but are eligible to apply for Jordan E-Visa
Official source: Jordan E-Visa
El Salvador
Entry granted: 10 or 30 days
Visa is NOT EXEMPT, but are eligible to obtain Oman 26M or 26N Tourist Visa online
26M eVIsa fee is 20 OMR, valid for 30 days, single-entry only
26N eVIsa fee is 5 OMR, valid for 10 days, single-entry only
Official source: Sultanate of Oman, Royal Oman Police
Visa is NOT EXEMPT, but are eligible to apply for A3 Visa online on the Hayya portal
A3 Visa fee is QAR 100, valid for 30 days, single-entry only
Must provide hotel booking for the entire stay reserved through the Discover Qatar website
Canada PR must be valid on the day of the A3 Visa application

29. Morocco

Visa is NOT EXEMPT, but are eligible to apply for Morocco e-Visa online
E-Visa fee is 770 MAD, valid for 180 days, single-entry only
Canada PR permit must be valid for at least 90 days from the day of arrival
Official source: Morocco E-Visa Portal
Visa is NOT EXEMPT, but are eligible for Japan eVisa
eVisa fee is JPY 3,000, valid for 90 days, single-entry
Must submit proof of residence to prove that you reside in Canada
Must show the visa issuance confirmation via the eVisa website on your phone at the immigration (Prints and PDFs are not accepted)
Must enter Japan by flight only
Official source: Ministry of Foreign Affairs of Japan

31. Philippines

Eligible nationalities: India passport holders only
Entry granted: 14 days, extendable for another 7 days
Canada PR must be valid for the entire duration of the stay
Passport must be valid for at least 6 months beyond the date of departure
Official source: Embassy of the Philippines in India

32. Singapore

Entry granted: 96 hours (4 days)
Visa is NOT EXEMPT but are eligible to obtain Visa Free Transit Facility (VFTF) upon arrival
Must be traveling to or from the country of passport. Example: Must be traveling to a third country from India via Singapore or traveling to India from a third country via Singapore. An example itinerary would be India-Singapore-Bali or Bali-Singapore-India.
Both arriving and departing flights in Singapore must be on the same itinerary
Canada PR must be valid for at least 1 month at the time of arrival
Official source: Singapore Immigration & Checkpoints Authority

33. South Korea

Eligible nationalities: All nationalities (except these 23 nationalities – Afghanistan, Bangladesh, Cameron, Cuba, Egypt, Gambia, Ghana, Iran, Iraq, Kosovo, Kyrgyzstan, Myanmar, Nepal, Nigeria, Pakistan, Palestine, Senegal, Somalia, Sri Lanka, Sudan, Syria, Uzbekistan and Yemen)
Entry rule: Must be traveling to/from Canada through South Korea
Official source: South Korea Embassy in Washington DC, USA
Entry granted: 14 days
Visa is NOT EXEMPT but are eligible to apply for ROC Travel Authorization Certificate
ROC Travel Authorization Certificate is free of charge, valid for 90 days, multiple-entry
If using an EXPIRED Canada PR card, the PR card must have expired within the last 10 years
Official source: Bureau of Consular Affairs of Republic of China (Taiwan)

35. Thailand

Entry granted: 60 days, extendable for another 30 days
Visa is NOT EXEMPT, but are eligible to apply for Thailand e-Visa online
E-Visa fee is 40 USD, valid for 90 days or 180 days, single or multiple-entry
Official source: Thai E-Visa Portal

RELATED: 18 countries you can visit VISA-FREE with an Australian visa or PR in 2024

Can you use a Canadian visa to travel to these countries?

Yes, you can also use a valid Canadian visa to travel to these countries. However, the eligibility and entry requirements vary depending on what Canadian visa you hold. Refer to my article on VISA-FREE countries for Canada visa for more details.

There you go, folks! 35 countries and territories that a Canadian PR holder can visit in 2024. Though most of them are Visa-Free, some countries require you to obtain VOA at the airport or apply for an eVisa before your travel.

Change history: For those who are interested, here are the changes to this list.

WRITTEN BY THIRUMAL MOTATI

Thirumal Motati is an expert in tourist visa matters. He has been traveling the world on tourist visas for more than a decade. With his expertise, he has obtained several tourist visas, including the most strenuous ones such as the US, UK, Canada, and Schengen, some of which were granted multiple times. He has also set foot inside US consulates on numerous occasions. Mr. Motati has uncovered the secrets to successful visa applications. His guidance has enabled countless individuals to obtain their visas and fulfill their travel dreams. His statements have been mentioned in publications like Yahoo, BBC, The Hindu, and Travel Zoo.

PLAN YOUR TRAVEL WITH VISA TRAVELER

I highly recommend using these websites to plan your trip. I use these websites myself to apply for my visas, book my flights and hotels and purchase my travel insurance.

01. Apply for your visa

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02. Book your fight

Find the cheapest flight tickets using Skyscanner . Skyscanner includes all budget airlines and you are guaranteed to find the cheapest flight to your destination.

03. Book your hotel

Book your hotel from Booking.com . Booking.com has pretty much every hotel, hostel and guesthouse from every destination.

04. Get your onward ticket

If traveling on a one-way ticket, use BestOnwardTicket to get proof of onward ticket for just $12, valid for 48 hours.

05. Purchase your insurance

Purchase travel medical insurance for your trip from SafetyWing . Insurance from SafetyWing covers COVID-19 and also comes with a visa letter which you can use for your visas.

Need more? Check out my travel resources page for the best websites to plan your trip.

LEGAL DISCLAIMER We are not affiliated with immigration, embassies or governments of any country. The content in this article is for educational and general informational purposes only, and shall not be understood or construed as, visa, immigration or legal advice. Your use of information provided in this article is solely at your own risk and you expressly agree not to rely upon any information contained in this article as a substitute for professional visa or immigration advice. Under no circumstance shall be held liable or responsible for any errors or omissions in this article or for any damage you may suffer in respect to any actions taken or not taken based on any or all of the information in this article. Please refer to our full disclaimer for further information.

AFFILIATE DISCLOSURE This post may contain affiliate links, which means we may receive a commission, at no extra cost to you, if you make a purchase through a link. Please refer to our full disclosure for further information.

Travel Countries VISA-FREE with Canada Visa

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What type of insurance do I need for International Experience Canada?

For International Experience Canada , you must have health insurance for the entire time you are in Canada. The health insurance must cover

medical care;
hospitalization; and
repatriation.

We recommend you buy this insurance only after you receive your port of entry (POE) letter. We can’t recommend specific insurance companies or plans, but you can search online for something that meets your needs.

You may be refused entry if you don’t have insurance. If your insurance policy is valid for less time than your expected stay in Canada, you may be issued a work permit that expires at the same time as your insurance.

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Help cover emergency medical expenses while visiting Canada

Canada has lots to offer, including free health care but only for its residents. When you or your loved ones visit Canada, emergency medical expenses could leave you burdened with hefty bills. With Manulife CoverMe Travel Insurance for Visitors to Canada, you can get help covering unexpected medical expenses such as prescription drugs, dental, hospital, and healthcare practitioner services, so you don’t end up paying out-of-pocket.

Travel plans for Visitors to Canada

All plans meet the requirement of super visa for parents and grandparents.

This plan helps protect you from emergency medical expenses, so you can focus on experiencing Canada.

Covers up to the limit you select up to CAD $200K
No medical questionnaires required
No coverage for pre-existing medical conditions
No age limit

Get help with covering the cost for medical emergencies in Canada —even with some pre-existing medical conditions.

Coverage for pre-existing medical conditions that did not exist within 180 days prior to the effective date 1
Includes dental, and accident death and dismemberment coverage
Apply up to age 85

Our most comprehensive plan to help you from emergency medical costs, even if you have a stable pre-existing medical condition.

Coverage for pre-existing medical conditions that have been stable 2 for at least 180 days
Includes dental, and accident death and dismemberment benefits

Download a detailed comparison chart for visitors to Canada (opens PDF)

Why Manulife

Our Visitors to Canada travel plans are comprehensive and flexible – all have the following benefits:

Access to Manulife’s Travel Assistance 24/7 – 365 days a year
Receive a full refund if your plans change or get cancelled before the effective date
Side trips are covered when you travel to another destination from Canada 3

Ready to buy?

You can get a quote and purchase Manulife travel insurance online through Manulife CoverMe.

Visitors to Canada travel insurance is highly recommended to prevent you from paying out-of-pocket for expensive health care services in case of a health emergency. Purchasing visitors to Canada travel insurance is mandatory if you are applying for super visa for parents and grandparents.

It is best to purchase visitor to Canada insurance before your arrival. This is because if you purchase the insurance after you arrive, there is a waiting period. A waiting period is an amount of time that you need to wait after purchase or after your arrival in Canada before you’re covered.

Need assistance?

Want to talk through your options.

Have questions and want to speak to a licensed insurance advisor? We can help with that!

Submit a travel claim

Visit our dedicated travel portal to start a claim. First-time on the site? Simply register, activate your account, and sign in.

Explore other travel insurance products

Travel insurance for travelling canadians.

Explore out-of-province or country with less worry with coverage for emergency medical, flight cancellations and delays, and more.

Travel Insurance for Students

Get help with medical expenses when studying away from home – either in Canada or abroad.

1 No coverage is provided for pre-existing medical conditions that existed within 180 days prior to the effective date. For example, if your travel date and policy effective date is June 30 th , then any pre-existing medical conditions that existed between January 1 st and June 30 th are not covered.

2 A pre-existing medical condition is considered stable when all of the following statements are true:

There has not been any new treatment prescribed or recommended, or change(s) to existing treatment (including a stoppage in treatment), and
There has not been any change in medication, or any recommendation or starting of a new prescription drug, and
The medical condition has not become worse, and
There has not been any new, more frequent or more severe symptoms, and
There has been no hospitalization or referral to a specialist, and
There have not been any tests, investigation or treatment recommended, but not yet complete, nor any outstanding test results, and
There is no planned or pending treatment.

3 A side trip is any trip taken to other countries from Canada (starts and ends in Canada) during the duration of your policy. Side trips do not cover your country of origin. Side trips must not exceed the lesser of 30 days/policy or 49% of the total number of coverage days in your policy.

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Trip interruption and travel health insurance

If you plan to travel outside Canada—even for a day in the United States—you should buy trip interruption and travel health insurance before you leave.

Your medical bills may not be paid by your personal Canadian health insurance
Your provincial or territorial health plan may cover none, or only a small part, of the costs of your medical care abroad including a medical evacuation, if needed. It will never pay your bills up front
Hospitals and clinics in other countries can be very expensive and may require immediate cash payment
In some countries, hospitals and clinics will not treat you if you don’t have enough insurance or money to pay your bills
The Government of Canada will not pay your medical bills

What your travel health insurance should cover

No matter where you’re travelling, your travel health insurance policy should always cover 3 things:

1. Medical evacuation

Make sure your policy covers medical evacuation to Canada or to the nearest place with medical care. The policy should also cover the costs of a medical escort to travel with you to your destination.

2. Pre-existing medical conditions

Ask the insurance provider to explain the definition of and the limitations and restrictions on any pre-existing conditions and tests and treatments you may have had:

Make sure you get a written agreement that your insurance covers your pre-existing medical condition, otherwise you could find your claim “null and void” under a pre-existing condition clause.
no changes to your medical condition
no new medical conditions, symptoms or medications during the stability period before your trip.
a compassion clause saying that an inaccurate statement may not invalidate the entire policy
a change-of-health clause.

3. Repatriation in case of death

Make sure that your plan includes everything to help your loved ones if you die outside Canada as the result of an accident or a sudden and unexpected illness.

Your insurance should cover:

the preparation and return of your remains
local cremation or burial outside Canada
additional expenses if someone needs to travel to identify your body

Learn more about what to do if a Canadian dies outside Canada.

Why you should buy trip interruption insurance

Trip interruption insurance is different from medical travel insurance. Trip interruption insurance provides coverage for situations that lead you to have to cancel a part of your trip once you’ve departed. It will reimburse the unused portion of your trip if you must return early, due to an unforeseen incident.

It’s also different from trip cancellation coverage, which applies only when you cancel your trip before it starts.

Research your needs. Verify the terms, conditions, limitations, exclusions and requirements of your insurance policy before you leave Canada.

When assessing a travel health insurance plan, you should ask a lot of questions:

Plans with 100% coverage are more expensive but may save you money in the long run
Does the plan offer continuous coverage for the length of your stay outside Canada and after your return?
Does the plan exclude or limit coverage for certain regions or countries you may visit?
Travel health insurance rarely covers routine health checkups, non-emergency care or cosmetic surgery.
It may not cover mental health disorders.
Does the plan cover drug or alcohol-related incidents?
Does the plan exclude coverage for activities such as mountaineering, skiing, scuba diving or extreme sports?
Does it offer coverage that is renewable from abroad and for the maximum period of stay?
Does the company have an in-house, worldwide, 24-hour/7-day emergency contact number in English and/or translation services for health care providers in your destination country?
Does it pay for hospitalization for illness or injury and related medical costs at your destination?
Does it pay your bills or provide cash advances up front, so you don’t have to pay them?

If you’re driving, make sure you have driver and vehicle coverage in case you have an accident.

If you’re flying, make sure you get insurance for trip interruption, lost luggage and document replacement. You may also want to consider trip cancellation insurance.

Meet the terms of your policy

It’s your responsibility to know and understand the terms of your insurance policy. Read the fine print and ask for help if you need it.

The information you provide must be accurate and complete. If you have any questions, contact the insurance company. Ask them to send you a written explanation.

Carry your insurance information with you and leave a copy with a friend or relative at home.

Get a detailed report and invoice from your doctor or hospital before leaving the country where you received medical treatment. Trying to get the proper paperwork from thousands of kilometres away can be frustrating.

Always submit the original receipts for medical services or prescriptions you received abroad. Keep a copy of the documents for your files.

Effects of travel advisories on travel insurance policies

Many travel insurance policies will not cover you if you travel to regions where the Government of Canada has issued a travel advisory to “avoid all non-essential travel” or “avoid all travel.”

The Government of Canada is not responsible for travel insurance policies nor how Travel Advice and Advisories may affect travel insurance policies. The Government of Canada does not issue its Travel Advice and Advisories for the purpose of travel insurance coverage or refunds.

Canada’s Travel Advice and Advisories provide information and recommendations about safety and security conditions in destinations around the world to help you make informed decisions.

We issue travel advisories when the security or health situation in a country or region may pose a significant threat to the personal safety and security of Canadians travelling or living there.

As new information becomes available, we review the level of risk. A travel advisory for a destination may be issued, upgraded, downgraded or removed.

Before you book your trip and buy insurance, check the details of any insurance policy you’re considering and the travel advice and advisories for your destination.

Travel insurance is not intended to be used when you are living outside Canada for an extended period, or permanently.

If you live abroad or you’re planning to, consider your insurance needs. Local laws may require that you have medical insurance, and you may have to include proof of medical insurance with your visa application.

If you study outside Canada

If you study or plan to study outside Canada, contact your educational institution or program administrator for advice on the insurance coverage you need.

The Government of Canada is limited in the help it can provide you when you are outside Canada.

See the services available at our consular offices outside Canada.

Our travel advice and advisories provide recommendations about safety and security conditions outside Canada to help you make informed decisions. The decision to travel is yours and you’re responsible for your personal safety abroad.

Whether you are planning a vacation or living outside Canada, sign up for the free Registration of Canadians Abroad service so that we can notify you in case of an emergency outside Canada.

For help with emergencies outside Canada, contact the:

nearest Canadian office abroad
Emergency Watch and Response Centre in Ottawa

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Canadians are choosing PolicyAdvisor to help them with all their travel insurance needs. Whether vacationing abroad or visiting Canada temporarily, our advisors can help you find the right coverage.

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Coverage that fits the requirements for those applying for a Canadian super visa

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What is travel insurance?

There are two main types of travel insurance: travel medical insurance and trip cancellation/interruption insurance .

Travel medical insurance can help to cover the cost of medical care if you become sick or injured while travelling. It can also help to cover the cost of travel if you need to be transported to a hospital in another country. This is the most common type of travel insurance.

Trip cancellation/interruption insurance can help to reimburse you for the cost of your trip if you have to cancel due to an unforeseen circumstance, such as illness or bad weather, or other situations that may delay or cancel your trip (lost baggage, transportation delays, etc).

If you are planning a trip from your home in Canada, or planning on travelling to Canada, it is important to ensure you have travel insurance before you depart. This will help to protect you from unexpected costs if something goes wrong on your trip and give you peace of mind such accidents or delays will not be a financial burden.

Learn more about travel insurance

Call 1-888-601-9980 to speak to our licensed advisors right away, or book some time with them.

Who needs travel insurance?

There is a wide array of insurance needs for both those visiting Canada, and travelling away from it. They include:

Inbound travellers

Visiting Canada from another country
Super visa applicants
International students studying in Canada
Foreign workers or work permit holders working in Canada
Amateur athletes competing in Canada

Outbound travellers

Snowbirds (seniors vacationing away from Canada for the winter)
Canadians vacationing abroad

What are the different types of travel insurance available in Canada?

Depending on where you call home, and the reason and length of your travel, there are several different kinds of travel insurance available.

Residents of Canada need travel insurance for trips abroad. While you public healthcare or group health insurance covers medical emergencies at home, an accident or medical emergency while you are out of country can be very costly.

Those visiting Canada from outside the country also need travel medical insurance. While Canada does have a robust public healthcare system, these services do not extend to non-residents of the country. If you are ill or injured during your trip to Canada, you will be responsible for the costs of doctor's visits, emergency care, prescription, and more.

Super visa insurance

Parents and grandparents or Canadian citizens and permanent residents are eligible for a special Canadian visa called the super visa. This visa allows them to enjoy an extended stay in Canada for as long as 2 years. A mandatory stipulation of super visa approval is holding a medical insurance policy to cover and illnesses or accidents that can occur during this trip. Super visa insurance is a widely available insurance policy that caters to the specific needs and requirements for super visa eligibility.

Snowbirds are retired Canadians who spend the winter season abroad to avoid Canada’s colder months. As a snowbird, it’s important to make sure you have the right travel insurance in place before you head south for the winter, as you will not qualify for public health insurance at your destination.

International students often need emergency health insurance wherever they choose to complete their studies. This includes both Canadians studying abroad and students completing their education in Canada. Emergency travel medical insurance ensures one can focus on their studies knowing they won’t have to deal with an unforeseen medical bill.

Foreign workers visiting Canada for temporary or permanent employment will not have immediate access to public health care. Travel medical insurance will cover you if you get sick or injured while working in Canada.

25 Companies, 20,000 Options, 1 Way to Compare and Save

Who offers the best travel insurance in Canada?

At PolicyAdvisor, we partner with the country’s best travel insurance providers to present you with the most choice and best option for your insurance needs. Whether you are vacationing abroad, visiting Canada for an extended trip, or sponsoring a super visa application for a loved one, we’re here to help guide you to best provider.

Some of our partners include:

Tugo (iA Financial Group)
Group Medical Services (GMS)
21st Century Travel Insurance Limited
Destination Canada

Get instant quotes from Canada’s top travel insurance companies

Why should you buy travel insurance?

Whether for a vacation abroad or a visit to Canada, travel medical and health insurance is very important.

For Canadian travelling abroad

Canadian public health care or your provincial health insurance plan may not cover medical expenses while you are outside Canada
Your work or group benefits health plan may not cover, or only cover a portion, of the costs of your medical bills abroad
Foreign medical facilities are generally expensive and often require immediate payment
Some hospitals and clinics in foreign countries will refuse treatment if you do not have enough insurance coverage or funds to pay for your treatment

For those visiting Canada

You are not covered under any of Canada's public healthcare plans
Treatment for medical emergencies and prescriptions may require cash payments
Your home country's public health care offering generally does not cover trips abroad
Travel medical insurance can cover a broad range of potential situations, including emergency room visits, transportation back to your home country, and prescription drug and dental costs

Frequently asked questions

How much does travel insurance cost?

The cost of travel insurance is determined by many variable factors including the type of insurance you purchase, your age, the duration of the trip, and the amount of coverage you are getting. A rule of thumb is travel insurance should typically cost 5% of your trip. Of course, these costs can increase for extended stays like super visa insurance , insurance for snowbirds, and insurance for students or foreign workers.

Can't I just use credit card travel insurance?

While knowing there is a built-in insurance component to your credit card provides great peace of mind, it sometimes falls short of comprehensive travel coverage. Insurance from credit cards usually has a cap on the amount of coverage it provides and is not intended to cover you for medical emergencies that may occur on an extended trip. Moreover, credit card travel insurance is also limited in that its coverage typically only extends to those parts of your trip you paid for using that credit card.

An independently purchased travel insurance policy ensures you are covered for your entire trip and whatever may happen during its duration.

Does travel insurance cover pre existing conditions?

Most travel medical insurance policies do not cover a pre-existing medical condition by default.

In some cases, if you have shown no symptoms or diagnosis of a pre-existing medical condition for 180 days prior to the effective date of the policy and have not had treatment for the condition during that time, it will not be considered a pre-existing condition during your coverage period.

As well, some conditions may get excluded from your travel medical insurance coverage during the underwriting process. A pre-existing condition exclusion could include a heart condition, kidney condition, form of dementia,

Lastly, some providers offer policies that will cover pre-existing conditions, though the premium will be higher to compensate for the added risk.

Can you get a refund for travel insurance?

You can typically get a refund for a travel insurance policy as long as you cancel the coverage before the departure date of your trip.

Is travel insurance mandatory?

Most travel insurance is not mandatory, though encouraged as foreign medical expenses can add up quickly. Without travel medical insurance you are personally responsible for any medical expenses you incur during your time away from your home country.

Some travel insurance policies are mandatory. For instance, super visa insurance is mandatory for super visa applicants to get approved for their policy, and an in-force policy is compulsory for the duration of your stay in Canada using the super visa.

Does provincial healthcare cover you when travelling abroad?

No, a public healthcare plan from your province or territory does not cover medical emergencies that happen outside of Canada. Much like how Canada’s public healthcare does not cover those who do not reside in Canada, the healthcare in countries outside of Canada has no reciprocal agreement to treat travelers. Canadians are expected to pay out of pocket for any health or medical procedures they need when outside of Canada.

Thus, it is important to have an in-force travel medical insurance policy when travelling outside of Canada and your home province.

Can I get travel insurance after I have left Canada?

Yes, it is possible to get some coverage, though there will most likely be exclusions on your policy. Many providers in Canada or abroad will offer you emergency medical travel insurance if you have already left Canada but wish to purchase coverage.

However, the policy generally will not be active until 48 hours after you purchase the coverage. This waiting period is designed to prevent someone from acquiring a policy after they have been injured or hospitalized with an illness.

Should I buy an individual policy for each trip I have planned or an annual travel policy?

If you travel abroad often (more than twice per year) it may be worthwhile to purchase an annual travel policy. Many providers offer annual options for their travel medical insurance policies, which can save you money on premiums and eliminate the need to arrange separate insurance policies for each trip you take or each leg of a multi-trip journey. Many Canadians travel during winters to warmer climates ( snowbirds ), it is advisable to buy multi-trip / annual travel insurance for such needs. Speak with our advisors to see if an annual travel insurance policy makes sense for your plans.

Can a Canadian Permanent Resident Travel to USA? Your Guide.

As a Canadian permanent resident, you may wonder if you can travel to the USA. The good news is that Canadian permanent residents are generally allowed to enter the United States for tourism, business, or other purposes. However, there are specific entry and exit requirements that you need to be aware of before planning your trip. Let’s explore the details.

Key Takeaways:

Canadian permanent residents can travel to the USA for tourism, business, or other purposes.
There are specific entry and exit requirements that need to be met.
Visa requirements depend on the country of citizenship for Canadian permanent residents.
The Department of Homeland Security and Customs and Border Protection have authority over entry into the USA.
Consult the U.S. Embassy and Consulate websites for up-to-date information on traveling to the USA.

Risk Level and Safety and Security in the USA

When traveling to the United States, it is essential to consider the risk level, safety, and security measures in place. While most of the country is safe for travelers, it’s necessary to be aware of specific areas that may pose higher risks.

Risk Level in the United States

Along the border with Mexico, in states like Arizona, California, New Mexico, and Texas, criminal incidents related to drug trafficking may occur more frequently.

Travelers should exercise increased caution in these areas and use officially recognized border crossings when crossing the U.S.-Mexico border by car. It’s important to stay vigilant and follow local law enforcement guidance.

There may be instances of petty crime, such as pickpocketing, in urban centers and tourist locations. Travelers should be mindful of their belongings and take necessary precautions to protect their valuables.

Entry and Exit Requirements for Canadian Permanent Residents

As a Canadian permanent resident planning to travel to the United States, you must familiarize yourself with the entry and exit requirements. These requirements ensure a smooth and hassle-free travel experience. Here are the key details you need to know:

Traveling by Air: When traveling by air, you must present a valid passport for the duration of your stay or a valid NEXUS card at self-serve kiosks. This applies to both entry and exit from the United States.
Traveling by Land or Water: If you’re entering the United States by land or water, you may need a valid passport, a Trusted Traveler Program card, an enhanced driver’s license (EDL), or other approved travel documents. It’s essential to check the specific requirements based on your travel purpose and the duration of your stay.

In addition to these requirements, it’s always recommended to carry your Canadian permanent resident card or other proof of your status as a Canadian permanent resident when traveling to the United States.

Entry and Exit Requirements for Canadian Permanent Residents

Remember, having the necessary documentation and meeting the entry and exit requirements is essential for hassle-free travel as a Canadian permanent resident.

Visa Requirements for Canadian Permanent Residents

The visa requirements for Canadian permanent residents vary depending on their country of citizenship.

If you are a citizen of a country eligible for the Visa Waiver Program, you may be able to visit the U.S. for up to 90 days without a visa. However, if you are not eligible for the Visa Waiver Program or your stay in the U.S. exceeds 90 days, you must apply for a nonimmigrant visa.

The Visa Waiver Program lets people from certain countries visit the U.S. for tourism or business without a visa. To qualify, you need a valid e-passport and approval through ESTA.

This program provides convenience for Canadian permanent residents who meet the requirements and plan to visit the U.S. temporarily.

However, you must apply for a nonimmigrant visa if you are not eligible for the Visa Waiver Program or plan to stay in the U.S. for longer than 90 days.

The reason for your trip determines the visa you require, be it for work, study, or joining a family member. Review the criteria and application procedures for the particular nonimmigrant visa category that suits your situation.

Disclaimer: The table info is just a general guide. Visa rules can change, so check the exact requirements for your country and the reason for traveling.

Permanent Residents of Canada and the Visa Waiver Program

As a permanent resident of Canada, you may be eligible for the Visa Waiver Program (VWP) when traveling to the United States. The VWP allows individuals from participating countries to visit the U.S. for business or pleasure for up to 90 days without needing a visa.

To qualify for the VWP, you must be a citizen of a participating country, possess a valid e-Passport, and have obtained ESTA approval. This streamlined process makes it easier for Canadian permanent residents to travel to the United States.

When getting ready for your trip, bring evidence of your Permanent Resident Status in Canada for your return. This could be your permanent resident card or travel document.

Also, have all the essential travel documents, including your passport and any extra paperwork that U.S. Customs and Border Protection officers might ask for.

While the VWP allows for visa-free travel, it’s essential to remember that it has certain limitations. The 90-day period is not extendable, and you must leave the United States before your authorized stay ends.

If you plan to stay in the U.S. for longer than the allowed 90 days or for purposes other than those permitted under the VWP, you must apply for a nonimmigrant visa before your trip.

Participating Countries in the Visa Waiver Program

Visa Requirements for Canadian Permanent Residents from Specific Countries

If you’re a permanent resident of Canada originally from India, you need to request a U.S. Visitor Visa. This visa lets you travel to the United States for different reasons, such as tourism, business, medical treatment, or participating in conferences and workshops. Review the visa requirements based on your citizenship to ensure a hassle-free entry into the United States.

The U.S. Department of State’s official website provides comprehensive information on visa requirements and the application process, making it easier to understand the specific steps you need to take.

Remember to allow ample time for visa processing, as it can take several weeks or months, depending on your situation.

Table: Visa Requirements for Canadian Permanent Residents from Specific Countries

It’s important to note that visa requirements may change over time, so it’s always a good idea to check for any updates or changes before planning your trip.

To find out what you need for a visa, contact the U.S. embassy or consulate where you live. They’ll give you the most current info.

Additional Resources for Canadian Visitors to the United States

Here are some additional resources Canadian visitors can utilize to ensure a smooth and hassle-free trip to the United States.

U.S. Embassy and Consulate Websites in Canada

The U.S. Embassy and Consulate websites in Canada are excellent sources of information for Canadian visitors. These websites offer detailed guidance on visa requirements, entry procedures, and travel advisories.

You can also find contact information for the embassy or consulate nearest your location, allowing you to reach out for any specific queries or concerns.

U.S. Customs and Border Protection (CBP) Website

The U.S. CBP website provides comprehensive information on admissions, entry requirements, and restrictions.

This resource can help you understand the processes of entering the United States, including the required documents, customs procedures, and guidelines for bringing restricted items.

Canadian Government Travel Advisories

It’s always wise to stay informed about travel advisories issued by the Canadian government. These advisories provide essential updates on safety and security measures in various countries, including the United States.

Department of Homeland Security and Customs and Border Protection

Before traveling to the United States as a permanent resident of Canada, it’s essential to familiarize yourself with the Department of Homeland Security (DHS) and Customs and Border Protection (CBP). These organizations are crucial for safeguarding the security and safety of the United States at its borders and entry points.

The DHS is responsible for preventing terrorism, securing borders, enforcing immigration laws, safeguarding cyberspace, and managing disaster response efforts.

CBP, a branch within the DHS, focuses explicitly on regulating and facilitating international trade, collecting import duties, and enforcing U.S. regulations regarding immigration, customs, and agriculture.

As a Canadian permanent resident, you will come into contact with CBP officials when entering the United States at a port of entry.

These officials have the authority to permit or deny admission into the country, so it’s crucial to understand and comply with their requirements and procedures. Be prepared to present your valid passport, visa (if applicable), and other necessary travel documents, as requested by CBP.

In conclusion, as a Canadian permanent resident, your dream of traveling to the United States can become a reality. By understanding and complying with the entry and exit requirements and visa regulations (if applicable) and following the necessary procedures, you can have a smooth and enjoyable trip to the USA.

It is crucial to stay well-informed and prepared by keeping up-to-date with the latest travel information and resources. Consult Canada’s U.S. Embassy and Consulate websites for specific and up-to-date information on traveling to the United States.

Review the Department of Homeland Security and Customs and Border Protection (CBP) websites for essential details that may affect your entry into the country.

Remember, whether you’re going for business or pleasure, a successful journey to the USA as a Canadian permanent resident is within reach. Safe travels!

Can Canadian permanent residents travel to the USA?

Yes, Canadian permanent residents are generally allowed to enter the United States for tourism, business, or other purposes.

Is it safe to travel to the USA?

While the majority of the country is safe for travelers, there are some areas along the border with Mexico where criminal incidents related to drug trafficking are more common. It’s essential to remain vigilant and cautious of petty crime in urban centers and tourist locations.

What documents do Canadian permanent residents need to enter the USA?

When traveling by air, you must present a valid passport for your stay or a valid NEXUS card at self-serve kiosks. If you’re entering by land or water, you may need a valid passport, a Trusted Traveler Program card, an enhanced driver’s license (EDL), or other approved travel documents.

Do Canadian permanent residents need a visa to enter the USA?

It depends on your country of citizenship. If you are a citizen of a country eligible for the Visa Waiver Program, you may visit the U.S. for up to 90 days without a visa. If you are not eligible for the Visa Waiver Program or plan to visit the U.S. for over 90 days, you may need to apply for a nonimmigrant visa.

Are permanent residents of Canada eligible for the Visa Waiver Program?

Yes, permanent residents of Canada may be eligible for the Visa Waiver Program if they are citizens of a participating country, possess a valid e-Passport, and have obtained ESTA approval.

What are the visa requirements for Canadian permanent residents from specific countries?

The visa rules can differ based on your citizenship. For instance, if you’re a permanent resident of Canada originally from India, you’ll need to seek a U.S. Visitor Visa. Reviewing the visa requirements that apply specifically to your country of citizenship is crucial.

Are there additional resources available for Canadian visitors to the USA?

Yes, additional resources are available, including information on entering the country, business travel, visa exemptions, and more. It’s recommended to consult Canada’s U.S. Embassy and Consulate websites for specific and up-to-date information on traveling to the United States.

What are the entry requirements for citizens of Bermuda?

Citizens of Bermuda generally do not require a nonimmigrant visa for stays up to 180 days. However, there are specific travel purposes where a nonimmigrant visa is required. It’s crucial to review the visa requirements that apply to your trip, considering the purpose of your travel and how long you plan to stay.

What is the role of the Department of Homeland Security and Customs and Border Protection?

The Department of Homeland Security and Customs and Border Protection (CBP) officials have the authority to permit or deny admission to the United States at the port of entry. Reviewing the CBP website for information on admissions, entry requirements, and other vital details that may affect your entry into the United States is essential.

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Travelling within Canada - Travel Insurance for RBC Clients 1

Why travel across the ocean when there are so many breathtaking vistas right in your own backyard? If you’re going outside your home province or territory, your provincial health insurance won’t cover you for any non-medical travel situations or certain emergency medical expenses (such as an air ambulance back to your home province). Our travel insurance can help fill the gap.

Popular Choice:

Travel within canada package, get a quote.

You are covered for:

Unlimited eligible emergency medical expenses 2
Travel expenses to get you home after a medical emergency or other trip interruption
Last-minute cancellation or trip interruptions due to family/work emergencies, unexpected health issues or other unforeseen events
Non-refundable portions of unused, prepaid flights if an illness, injury or other unexpected event forces you to cancel your flight, cut your trip short or delay your return home
Baggage delays and lost or stolen luggage or personal items
Flight and travel accidents
24-hour worldwide emergency medical assistance

Make sure you have the right travel insurance—get an online quote or call the Enrollment Centre.

Have an RBC Royal Bank credit card with travel coverage?

If you’re using an RBC Royal Bank credit card to pay for your trip in full, see if your card provides enough coverage for your trip.

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Health Insurance for PR (Express Entry)

Thread starter science and art
Start date Apr 13, 2018

science and art

Hello all, Just a little question: I have PR (from express entry) and will fly to Canada in 3-4 months for the first time. Do I need to have a health insurance before landing. Some people say that a private health ins. would be essential as the procedure of the canadian health system to cover you would take about 3 months. Therefore, a 3 month private insurance is required. Otherwise, I would pay a lot, if need to see a doctor. Does anyone know about it? Shall I have a private insurance covering the fisrt 3 months? Thanks all in advance

strikeharsh

Hero member.

Every province has different policies. I strongly suggest that you google each province’s health card policy and decide what to do. Or you can hire an immigration consultant.

> Do I need to have a health insurance before landing. Some people say that a private health ins. would be essential as the procedure of the canadian health system to cover you would take about 3 months. Therefore, a 3 month private insurance is required. Otherwise, I would pay a lot, if need to see a doctor. Almost every province has a 3 months waiting period. If I recall the exception was Alberta where it starts after arrival. Research your province's health insurance. > Shall I have a private insurance covering the fisrt 3 months? It depends on how risk averse you are. Many private insurances cover the emergencies only. Not having insurance means you pay out of pocket anything. Just seeing a doctor for basic stuff won't break the bank, but anything requiring emergency treatment at hospitals easily runs into 5 figures...

strikeharsh said: Every province has different policies. I strongly suggest that you google each province’s health card policy and decide what to do. Or you can hire an immigration consultant. Click to expand...

science and art said: Hello all, Just a little question: I have PR (from express entry) and will fly to Canada in 3-4 months for the first time. Do I need to have a health insurance before landing. Some people say that a private health ins. would be essential as the procedure of the canadian health system to cover you would take about 3 months. Therefore, a 3 month private insurance is required. Otherwise, I would pay a lot, if need to see a doctor. Does anyone know about it? Shall I have a private insurance covering the fisrt 3 months? Thanks all in advance Click to expand...

Maverick28 said: An immigration consultant for insurance, really? Click to expand...

Star Member

Kirchenbomb

strikeharsh said: Sure why not. If you are stuck, confusing like hell, don’t know next move. Why not hire professional to help you get out of swamp? Click to expand...

Global travel destinations
Canadian travel insurance to USA

US travel insurance for Canadians, Travel insurance Canada to US

Popular travel insurance for usa from canada, canadian citizens visiting the us.

Given that nearly 90% of Canada's population lives within 100 miles of the US border, it is really no surprise that Canadians are the top source of tourists to the United States. In 2018 alone, the US had over 21 million overnight trips from Canada with almost half of these arrivals by air and the other half by crossing the land border.

The US has a very varied topography and shares land borders with Canada to the North and Mexico to the south. Canada's population has a relatively large number of baby boomers and this older generation prefers traveling nearby to the US. Many Canadian baby boomers spend a lot of time and money escaping the cold during Canada's long winters. Also known as Canadian Snowbirds, they are attracted to the southern warmer states of the US, mainly Florida , Arizona and Texas .

Travel health insurance for Canadian visitors to USA

Canadians travel across the southern border to the US on a regular basis. The reasons for travel can vary, be it for warmer weather for the snowbirds, or simply a short vacation, or travel for work, business and corporate meetings. Whatever the reason for travel, it is important to buy proper health insurance with adequate coverage in the United States. The " Canadian government authorities advise Canadians to buy travel insurance " while traveling overseas from Canada. Given the high cost of healthcare in the US , it is not worth the risk of being uninsured while visiting the United States. Know more »

Health Care in the US

Naturally, the first thing one thinks about when planning a trip is not how much a trip in that country’s ER will cost you. However, we do suggest you consider the high costs of health care in the US and arrange to have yourself and your loved ones covered in case something does happen.

Emergency room expenses and hospital stays are extremely expensive and regularly impoverish under-uninsured and uninsured people in the US. It is not a great state of affairs, but at the moment, this is a reality.

The cost of a routine physician's visit is significantly higher in the U.S., where it might be $176. An echocardiogram can cost around $1,000 in Massachusetts and around $3000 in New Jersey depending on the provider. The cost of common ailments like Diabetes Mellitus with Hyperglycemia admitted to an emergency room would cost around $2,500 -$5000. Stroke resulting in ICU for about 10 days would cost $120,000, Heart attack treatment with medical bills for ambulance, hospital emergency room, ICU, EKG and MRI heart scans and continuing care from cardiologists would cost about $20,000, the average treatment cost of acute kidney failure in the USA was over $22,000.

While there are several reasons for high healthcare costs, the fact remains that one cannot afford to be uninsured while visiting the US. In US hospitals the cost for any treatment is much lower if you have insurance and the hospital is part of the PPO network when compared to getting the same treatment without any insurance. This is beyond the actual insurance coverage itself, so simply having visitors insurance reduces the bill substantially. This high price without insurance is unimaginable for visitors to pay out of their pocket. It is important for Canadians to realize the importance of health insurance while visiting the US.

You must be very careful and bring any prescription medication as well as a prescription or copy of such so that you can show that you have good reason to have medications with you. There are lower cost “Urgent Care” centers that can be used for sudden, non-life threatening situations that will be cheaper and quicker than trying to visit a hospital emergency room. They can assess the situation and often treat the situation quickly and efficiently. They also are open beyond “normal” doctor hours (why do these things seem to always happen on Sunday afternoons?) which can be helpful to be aware of.

Here at American Visitor Insurance, we have many travel insurance for Canadians travelling to USA from reputable US insurance companies who help travelers from Canada receive the care they need!Let us help you find the right medical travel insurance for Canadians visiting the United States.

USA - General Information

Popular travel destinations in the usa.

Buy travel insurance for United States Virgin Islands

US States for tourists. Beaches, National Parks and more !

US Cities renowned for their Glitz, Glamor, Museums and more !

US Territories

U.S Virgin Islands

American Samoa

Puerto Rico

Popular tourist destinations in the united states.

Mount Rushmore

Mount Rushmore depicts the faces of four former American presidents, each of which is carved and blasted from the side of a rock face.

Niagara Falls

The water from Lake Erie flows into Lake Ontario over these massive waterfalls along the US and Canadian border.

Statue of Liberty

The Statue of Liberty is America's most familiar icon. It is the largest statue in the world with 152 ft in the New York city Harbor.

Yellowstone National Park

It is home to a huge ancient volcano which has resulted in a dramatic landscape and awesome natural phenomena. It is also home to some amazing wildlife.

Annual Multi-trip travel insurance for Canadians to USA

There are many Canadians who travel to the US and elsewhere outside Canada regularly. These travelers can be businessmen or corporate travelers or those who live close to the US border and travel overseas often.

While there are many top rated travel health insurance plans for multiple trips worldwide, the Patriot Annual Multi trip insurance is an ideal plan for Canadian travelers. Travellers must have domestic health insurance policy while being covered under this plan. Every trip duration can be limited to either 30 days or 45 days with a medical coverage maximum of $1 million. Travelers up to the age of 76 years can buy this plan. The plan is renewable up to 3 years and also offers coverage for pre-existing conditions.

Best Seniors travel insurance with Pre-existing Conditions Coverage

Pre-existing condition is a medical ailment that existed before the travel insurance became effective. Another term that we come across more frequently in insurance policies is "Acute onset of pre-existing condition". Acute onset of pre-existing condition is a sudden relapse of the pre-existing condition without advance warning which requires medical attention within 24 hours.

Travelers with pre-existing conditions always find it hard to buy travel health insurance. Some of the common conditions that are considered as pre-existing conditions are asthma, food & drug allergies, environmental allergies, heart related issues, high blood pressure, kidney disease, cancer, and diabetes. Typically all insurance providers have their terms and conditions for the pre-existing condition coverage provided. Most do not cover anything related to a pre-existing condition. Travelers can buy a travel insurance policy without a medical check, however chronic illnesses like cancer, parkinson's disease, Amnesia...which cannot be cured are not covered by the travel health insurance policies. With the pre-existing condition there is a "look back" period of 60-180 days to determine the claim. Most of the Insurance providers consider the age of the individual as a factor for providing this benefit. Most of the policies do not provide coverage for pre-existing conditions at the age of 70 and more.

Some US insurance providers offer senior citizen travel insurance for pre-existing conditions above the age of 80 with fixed or limited coverage. The Safe Travels USA, Safe Travels USA Cost Saver, and Safe Travels USA Comprehensive all offer $1000 coverage for pre-existing conditions without limitation to chronic illness. If travelers have a medical condition they are concerned about, it is very important for them to buy a policy that includes the illnesses in the coverage and to be aware of the terms of pre-existing condition coverage.

Travel insurance for acute onset of pre-existing conditions

Travel insurance for Asthma

Travel insurance for Arthritis

Travel insurance for Diabetes

Travel insurance for Heart Ailment

Travel insurance for Cholesterol

Travel insurance for Blood Pressure

How does travel insurance for pre-existing conditions work?

The travel health insurance plans which cover pre-existing conditions have clear definitions of what is a pre-existing condition, the look back period for pre-existing condition, whether the travel insurance coverage is limited to acute onset of pre-existing conditions, and if it provides full coverage for pre-existing conditions the coverage limit within the policy for pre-existing conditons. Any travel health insurance coverage for pre-existing conditions will depend on all these.

What is the best US visitors insurance with pre-existing conditions coverage?

The best US visitors insurance with pre-existing conditions coverage is listed here:

Safe Travels USA Comprehensive offers coverage for acute on set of pre-existing conditions up to 89 years. For persons under 70 covers medical treatment to policy maximum (cardiac-related treatment up to $25,000). For persons above 70 Acute Onset benefits is reduced to a maximum of $35,000 (cardiac-related treatment up to $15,000).
Safe Travels USA is a cheap travel medical insurance plan that covers sudden, unexpected recurrence of a Pre-existing Condition for Non-US Citizens and Non-US Residents while visiting the USA up to 89 years.
Patriot America plus is Comprehensive travel insurance covers acute on set of pre-existing conditions up to chosen maximum limit aged up to 70 years. This plan is available for Non US citizens travelling to the USA and US citizens and Non US citizens living abroad can buy this plan for visiting the US for short while. Plan is suitable for Green Card holders as long as they reside outside the US.
Visitors Protect is Comprehensive visitor medical insurance from IMG offers pre-existing conditions up to age 99 years. Minimum Purchase of 90 days is required on the plan. It is an affordable plan for visitors visiting the US and US citizens and Non US citizens living abroad can buy this plan for visiting the US for short while.

US travel insurance from Canada

Can i get us insurance when i am already in the us.

YES! Canadians CAN purchase US travel insurance policies from American Visitor Insurance to cover the remainder of their stay (as long as they like).

Note that our policies are generally renewable, so if plans change (as they so often do these days), the policies can be extended (minimum of 5 days and up to 12 months). Policies are available up to $100,000 for persons in their 70s and up to $50,000 for persons in their 80s. You can use our search engine to determine the best prices for you based on age and deductible you'd like.

The deductible on a comprehensive travel insurance USA policy is generally a one-time payment if there are any medical expenses (doctor visit, ER visit, medications, etc). A higher deductible will give a lower premium cost, so it is a balance of what you feel you can pay out in the unlikely event you will need medical attention, and how much the policy costs you per month and day.

When you purchase the US travel insurance policy, you will enter your Canadian address as your "home" or "residence" address regardless of whether you own a home in the US or not. The "residence" country and the "destination" country CANNOT be the same. Then, you can choose the start date (even if it says trip start date) as the first day you need the policy. And, even though you choose an "Trip end date" you can always extend most policies without issue (just do not wait until they have expired).

Unfortunately, insurance coverage for pre-existing conditions is very limited on most US visitor policies for foreign visitors. Some policies will cover "acute onset" of pre-existing conditions which should mean life-threatening emergencies due to pre-existing conditions, but they have all recently excluded chronic and congenital disorders from that coverage. As a non-medical person, I'm not sure what illnesses/disorders that leaves that WOULD be covered. The Safe Travels Elite (a fixed plan) and Safe Travels Comprehensive offers some coverage $25,000 or $15,000 for a cardiac issue.

While there will always be some risk involved while traveling and staying in the US, travelers do have travel insurance options for visiting the US. Compare US travel insurance for Canada and buy the plan that best fits your needs.

As ever, we wish you safe and happy travels!

Canadian Immigrants and some statistics in the USA

Given the geographical proximity between the US and Canada, the long land border, and the many excellent economic opportunities that the US offers, it is attractive and easy for Canadians to move south of their border to the United States.

It was in the year 1867 that many Eastern Canadians migrated to the United States and started working in the flourishing manufacturing industry. The U.S Census had recorded 747,000 English-speaking and 440,000 French-speaking Canadian immigrants in 1900.

These migrators settled in the borders of the US which allowed them to easily travel between the two countries. During 1990 to 1930 the French Canadian migration increased due to the poor economic conditions in Quebec. Los Angeles had the fourth major Canadian population in North America in 1980s.

In the late 20th Century after the signing of the North American Free Trade Agreement (NAFTA) in 1994 Canadian migration expanded significantly. During this the Canadian communities who migrated included highly educated academics, technology professionals, students along with Canadians who wanted retire in warmer areas in the US or to reunify with their family and other retirees. There are about 783,0000 Canadians who lived in the United States according to the 2016 U.S census data. Nearly 2% of the 44 million U.S. immigrants. 47% Canadians became naturalized citizens in 2016 from the total foreign-born population in the US.

Migrating to the US in search for better living and economic status is often very challenging and involves many risks. While planning to relocate one should reflect on all the unforeseen situations that may occur due to difference in weather conditions, food, culture and most importantly healthcare systems. The US while offering excellent opportunities also has a very expensive healthcare system and sudden changes often results in increased chances for illness.

Unlike the government supported Canadian health system, the US health care system is private and very expensive. In the US it is very necessary to have good immigrant medical insurance. Good short term US immigrant insurance plan will provide coverage for medical expenses incurred in case of any injury or illness till one is eligible for domestic US health insurance. At American Visitor Insurance, Canadian immigrants can buy reasonable US immigrant medical insurance according to their requirements.

Visitor immigrant insurance being made mandatory for the US

The US government has recently made a proclamation making it compulsory from November 3rd 2019 for all new immigrant visa applicants to have adequate US health insurance while in the United States.

This rule will impact new US immigrant visa applications, such as family members of the US citizens. The aim of this compulsory US immigrant health insurance is to reduce the burden on US tax payers by uninsured new US immigrants.

The proclamation will not allow immigrants from entering the US if they do not have at least one of following approved health insurance. The listed approved health insurance options are

an employer-sponsored plan, including a retiree plan, association health plan, and coverage provided by the Consolidated Omnibus Budget Reconciliation Act of 1985;
an unsubsidized health plan offered in the individual market within a State;
a short-term limited duration health policy effective for a minimum of 364 days — or until the beginning of planned, extended travel outside the United States;
a catastrophic plan;
a family member’s plan;
a medical plan under chapter 55 of title 10, United States Code, including coverage under the TRICARE program;
a visitor health insurance plan that provides adequate coverage for medical care for a minimum of 364 days — or until the beginning of planned, extended travel outside the United States;
a medical plan under the Medicare program;
any other health plan that provides adequate coverage for medical care as determined by the Secretary of Health and Human Services or his designee.

While this rule is focused on those applying for US immigrant visas, we are getting customer feedback that even travelers on tourist visas are expected to have proper short term visitor insurance. The visitor and immigrant insurance plans offered at American Visitor Insurance satisfy the definition of visitor health insurance plans as well as catastrophic plans in the United States as listed above.

After purchasing these US visitor insurance plan, customers will immediately receive the insurance document by email. Customers can use this visitor insurance document as proof of health insurance in the US while applying for the US visa. Irrespective of this proclamation, given the high cost of US healthcare, it is strongly recommended for all prospective immigrants and tourists to buy adequate US immigrant health insurance .

Popular cruise travel insurance for Canada

Travel insurance usa from canada, travel insurance canada to usa - faq's, 01. can a snowbird visitor get health insurance in usa.

Yes. Snowbird Visitors and tourists can all buy travel health insurance in the US. We recommend the travel insurance for Canadian snowbird visitors to be purchased from the day they leave their home country until they return, however, most companies allow you to purchase it even after the traveler has already started their journey.

02. How does Snowbird travel insurance work?

Snowbird travel medical insurance is for unexpected medical expenses while on your trip. Many travel insurance for Canadian Snowbirds also cover baggage loss/ delay, trip delays, and have other benefits to help travelers with unexpected problems (loss of documents, etc). Since they are meant to be used in an emergency, you can use any doctor/hospital. In a non-emergency situation, you should consult your documentation and try to stay in-network (if applicable) while in the US since this will likely help defray your out-of-pocket cost.

03. Do Snowbird tourists need travel insurance?

Often health insurance from a home country will not cover Snowbirds while they are traveling in a different country. If they are in a country with high medical costs such as the US, they should consider purchasing international travel insurance in case they should need any medical care. The travel health insurance for Canadian Snowbird tourists will help defray costs and also often has many travel benefits (trip delay, trip interruption, baggage loss) that will also assist a traveler in getting back on track with their trip.

04. What happens if a Snowbird tourist gets sick in USA?

Snowbird Tourists can use Urgent Care clinics, make appointments at a doctor's office or go the the hospital, if needed. However, they will have to pay out-of-pocket for any and all medical care they receive. This is why we recommend getting a travel or US tourist health insurance for Snowbirds for the duration of their stay.

05. What happens if a tourist from Canada gets sick in USA? What happens if a tourist from Canada goes to the hospital in the US? How are Canadian tourists emergency hospital bills handled ? What is involved in seeing a Doctor in the US as a tourist? How is the medical treatment in USA for Canadian handled?

The above are common concerns of Canadian tourists visiting the United States. It is extremely important for US tourists to know that healthcare in the US is very expensive and that most US residents have health insurance to cover their medical expenses. Given this situation, it is important for US tourists to have the best travel insurance for US as they are fully responsible for any medical expenses that they incur in the country. Being forced to get medical treatment in usa without insurance can be financially catastrophic, and the best way to shield oneself from this situation is to buy US travel insurance for the entire duration of one’s visit to the country.

How much is travel insurance to USA from Canada?

The cost of travel insurance from Canada to USA can vary significantly depending on various factors. These factors include:

Coverage Types: The type of coverage you choose will have a significant impact on the cost. Basic coverage for emergency medical expenses will be less expensive than comprehensive coverage that includes trip cancellation/interruption, baggage loss, and additional benefits.
Trip Duration: The length of your trip can affect the cost of travel insurance. Longer trips typically have higher premiums than shorter ones.
Age: Your age can influence the cost of travel insurance. Older travelers may pay higher premiums due to increased health risks.
Destination: The cost of travel insurance can also depend on your travel destination. Some countries or regions may have higher healthcare costs, which can affect the premium.
Pre-Existing Medical Conditions: If you have pre-existing medical conditions, you may need to pay a higher premium for coverage or obtain specialized coverage.
Coverage Limits: Higher coverage limits for medical expenses, trip cancellation, or other benefits will result in higher premiums.
Deductibles: Choosing a policy with a higher deductible can lower the premium, but it means you'll pay more out of pocket if you need to make a claim.
Add-Ons and Optional Coverage: Adding optional coverage like Cancel for Any Reason (CFAR) or coverage for adventure activities will increase the cost of the policy.
Provider: Different insurance providers offer different pricing structures, so it's essential to obtain quotes from multiple providers to compare costs.
Number of Travelers: If you're traveling with a group or family, you can often get a discount for insuring multiple travelers under the same policy.
Frequency of Travel: If you're a frequent traveler, you may consider an annual multi-trip policy, which can be more cost-effective if you travel multiple times in a year.

To provide a general idea, here are some approximate cost ranges for travel insurance in Canada:

Emergency medical coverage: $25 to $50 CAD or more per person for a week-long trip.
Comprehensive coverage (including medical, trip cancellation, baggage, etc.): $100 to $300 CAD or more per person for a week-long trip.
Annual multi-trip policies: These can range from a few hundred dollars to over $1,000 CAD, depending on coverage levels and the number of trips covered.

It's important to shop around, obtain quotes, and carefully read the terms and conditions of different policies to ensure that you're getting the coverage you need at a price that fits your budget. Additionally, consider factors such as the ratings of the insurance provider and the contact customer service on American Visitors Insurance when choosing a policy.

Factors to buy best travel medical insurance USA

Age of the traveler.

The cost of medical insurance for travelers is directly proportional to the age of the traveler. The older the traveler and greater will be the cost of the visitors health insurance.

Type of US travel health insurance

Comprehensive insurance provides exhaustive coverage but is more expensive than fixed benefit insurance which has a specified limit for each treatment.

Medical maximum coverage

The price of visitors insurance is directly dependent on the maximum medical coverage and inversely proportional to the deductible of the plan chosen.

Region of coverage

Travel insurance depends on the coverage region. The cost for visitor insurance for the United States is most expensive when compared to Europe or Asia.

Duration of travel insurance

The cost of trip insurance directly depends on the length of travel. The longer the duration of visitor medical insurance required, the higher will be the cost.

Any add on benefits

Additional add-on benefits to the basic insurance for tourist plan like adventure sports coverage, coverage for pre-existing conditions… will add to the overall cost.

Steps to buy Travel insurance to USA from Canada online

1: finding the available travel insurance to usa from canada plans.

Complete the Canada to US travel insurance quote request form by providing details of the traveler and insurance requirements.

2: CCompare the different Snowbird travel insurance options

Compare the price and the benefits of the different travel insurance options to identify what fits your needs best.

3: Buy the Snowbird travel insurance that you like best

Purchase the plan that fits your requirements and budget best by using a credit card and completing the online application.

4: Review the travel insurance plan documents received by email

Review the travel insurance policy documents received by email closely for coverage details and relevant contact numbers.

Different types of US Visitors travel insurance

Fixed benefit travel insurance.

A fixed benefit or scheduled benefits travel insurance plan is the cheapest US travel insurance plan, however this is because the Fixed benefit travel insurance have a fixed limit of coverage for different medical benefits. Fixed benefit international travel medical insurance works well for small ailments but can be inadequate for more serious medical conditions involving hospitalisation.

Comprehensive travel insurance

Comprehensive travel insurance provide full coverage for medical expenses up to the policy medical maximum limit. As opposed to fixed benefit international travel medical insurance there are no coverage limits for each benefit. It is much more expensive when compared to fixed benefit plans but also provides significantly superior coverage especially in case of a serious medical emergency or hospitalisation.

Resourceful tourist insurance USA information

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Testimonials - From Our Customers

Thank you for your prompt reply. Thank you for doing some good homework on our behalf. May the Lord richly bless you and all your encounters and may He fill your life with all of his abundance. Know more »

I needed to move my policy date, but remembered it too late. American Visitor Insurance customer support made a lot of efforts to fix it out and succeeded. It's a really good service. Great thanks to your support staff. Know more »

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Thank you for such helpful information. You've impressed me as I have contacted other companies and haven't gotten half of the information from them that you have sent me. I will take what you've said into consideration. Know more »

Snowbird Travel medical insurance for Canadians

International medical insurance for canadian snowbirds, inf travel medical insurance canada to us, long term and flexible travel insurance for canadians to the us.

Here at American Visitor Insurance , we have talked with thousands of our Canadian neighbors getting insurance for their US stays for many number of reasons. Some of our Canadian clients have wanted to extend their trips beyond the coverage they purchased from Canada before leaving. It seems that to continue with a Canadian plan, you must return to Canada to make your purchase. However, with our health insurance for Canadian visitors to USA, you can start coverage the day your other coverage ends and not have the expense or bother of a return trip.

Also, in some cases, particularly for clients with pre-existing medical conditions, they are not able to get their Canadian insurance for their trip due to some constraint or another. While, of course, we would never suggest traveling against advice of doctors; some of our plans cover “acute onset” of pre-existing medical conditions .

To be clear, the conditions must be stable and they will not cover required treatment or medication for such a condition, but they will kick in if there is some unexpected recurrence due to the pre-existing condition. o, check our rates and compare USA travel insurance from Canada to what you are offered from your home country or keep us in mind if your travel plans change along the way!

Safe Travels USA Comprehensive Insurance
Patriot America Lite Insurance
Patriot Platinum Insurance
Visitors Protect Insurance
INF Elite Insurance
Patriot America Plus Insurance

US health insurance for Canadian students in the US or US students in Canada

Buy a plan and get coverage for your studies in the USA.

The I-20 Visa for Canadian students in USA

The US enjoys a special relationship with Canada. Students wishing to come to a college or university in the US can obtain an I-20 visa to do so. Oftentimes, the college or institution will offer health coverage for their students. Some do not and the student must find their own policy.

01. What health insurance can Canadian students purchase?

International students cannot apply to 'regular' health care plans available to citizens. However, we have options for you through our website.

Note that if you do get the option of an institutional health plan these will likely be more expensive than what we offer, but they are very complete. They are, in fact, domestic policies not otherwise available to visitors. They are very complete and cover wellness, pre-existing conditions, maternity, mental health, and pretty much all health care needs.

If those are not main concerns and if you are looking for more economical options, there are plans for international students available.

02. What plans do you recommend for Canadian students and why?

Canadians that wish to study in the US can get health insurance through our website. The best options are those offered by IMG and Global Underwriters

The Global Underwriter plans are best if the student is on an official sports team or club. You can choose an optional collegiate sports rider to cover injuries related to that sport (low, medium, and high; unfortunately there is no coverage for football).

IMG has several student options available ( Patriot Exchange , Student Health Advantage and Student Health Advantage Platinum ). Patriot Exchange offers a very economical price, but note the exclusion of maternity and mental health coverage.

Student plans must be purchased for whole months. If you purchase one month and three days you will pay for two months. Therefore, you may as well sign up for two whole months. When the student returns home, the plans are terminated.

Trip insurance vs Travel health coverage vs Global medical insurance

Confused whether to buy trip, travel or global health insurance? Understand the differences!

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Everything B.C. residents need to know about buying travel insurance in 2023

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Travel insurance policies vary widely across Canadian providers -- but it is up to the consumer to ensure they will be covered.

Will McAleer, executive director of the Travel Health Insurance Association of Canada (THIA), says travellers shouldn't put insurance on a quick to-do list before they leave for a trip.

Purchasing a policy "needs to be a process," he tells V.I.A., noting that there are several factors to consider, including your current health status, pre-existing conditions, age, health history, and more.

There are two main categories of travel insurance: coverage for medical emergencies incurred on a trip, and coverage that protects the "travel investments" with a trip cancellation policy. The latter protects the cost travellers pay to travel to and from their destinations, as well as their accommodation and any other activities on their trip.

A comprehensive travel insurance plan will cover travellers for the cost of their trip, trip interruptions, baggage loss, baggage delay, as well as emergency medical expenses.

Will an all-inclusive travel insurance policy cover me for everything?

Consumers should be wary of terminology. While a policy may be labelled "all-inclusive," it might not provide complete coverage -- even if the events aren't caused by high-risk activities. They need to read the fine print, identify specific risks on their trip, and understand if a policy will cover them based on their current health.

Some providers, such as Manulife, provide up to $10 million in emergency medical coverage for a single trip, while others may pay a million or less. While a million may seem like far more than you could need, in the event of an emergency, particularly in the United States, you could face much higher costs. If you need to be transported by air from one city to another, for example, costs could quickly climb.

Travellers also need to consider what kind of activities they will be doing on their trips since many policies don't include coverage for ones that they deem "high-risk." For example, injuries from scuba diving, bungee jumping, or whitewater rafting might not be covered. That said, some providers may offer coverage for adrenaline-fuelled sports, so it is prudent to shop around.

McAleer notes that travel interruption is top of mind for people headed on trips anywhere in the world. In 2023, numerous local travellers were impacted by raging B.C. wildfires , the fires in Maui , and multiple hurricanes . For a trip you cancel due to a weather event, an advisory must be up on the day you are scheduled to travel.

Still, trips taken as "revenge travel" -- a term coined to describe a surge in trips following a decrease during the pandemic -- mean that people are buying more travel insurance than ever.

Travel is still not something for the faint of heart, however, and it "seems to be much more disrupted than in the past," McAleer highlights, noting that many more individuals are protecting the value of their travel arrangements" as a result.

Travel insurance with parametric benefits

A travel insurance plan that includes parametric benefits takes the legwork out of getting the money back that consumers are owed. "Parametric" means that rather than filing for a claim, these benefits automatically pay the traveller, meaning they won't have to fill out forms, following a "trigger" event.

For example, if their policy includes payment for a flight delay over six hours and they experience a seven-hour one, then they will automatically receive payment to their banking account. They simply register their trip online in advance of departure and provide the company with their banking information.

Parametric benefits vary from provider to provider, of course, but they generally provide faster payouts and are less complicated for the average person to comprehend. Plus, consumers won't miss a payout because they didn't read the fine print.

McAleer stresses that travellers should always thoroughly review the steps they need to take if they must cancel a trip due to illness, a natural disaster, or any other unforeseen and coverable circumstance. In most cases, it is up to the policyholder to provide proof of their claim.

If you get sick before a trip, for instance, you'll want to call your provider to confirm whether you need a report from your physician. Further, you'll want to know whether a specific form needs to be filled out and what other information could be required.

Travellers who have a trip in the next few months will want to purchase coverage as soon as possible. While it hasn't happened yet, the cost of a plan might increase.

"It has been a pretty active time for travel insurers over the last several years and we haven't seen any major movements in premium rate," he says, adding that it "is prudent to expect there could be some in the future."

Think you only need travel insurance for trips outside of the country? Think again. Medical services outside of B.C. can cost a pretty penny without a proper plan.

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Top 10 Benefits Of Canada PR

Canada is often called a ‘paradise for immigrants’ . Every year, Canada surprises the world by increasing its annual immigrant intake.

Its welcoming nature, increasing economic growth and easy immigration processes, has made it almost ideal for people to decide to come and permanently settle down in the country.

Want to know the benefits of a Canada PR ? Read on!

What are the Top 10 Benefits of Canada PR?

Many immigrants live, work and settle in Canada by getting the Permanent Residency status which opens doors to a wide array of benefits!

Below listed are the top 10 benefits of a Canada PR:

1. Right to Live and Work in Canada

Canada is ranked as the second best country in the world to live and work.

It is one of the top destinations for overall sustainability, cultural influence, economic influence, entrepreneurship, and primarily for the quality of life.

Once you get a PR, you have the right to move to any territory or province in Canada. You don’t have to stick with an employer, job, or even a province.

2. Extend or renew your visa after 5 years

A majority of Canadian Permanent residence status cards are valid for 5 years , although some only have a validity of 1 year.

Moreover, there is no prescribed limit as to how many times you can extend your visa status.

The purpose and history will be considered by the officer to evaluate if there is a valid reason for you to continue to stay.

3. Allows you to bring your family along!

Your family members can also live, study and work in Canada if they become permanent residents.

However, you are allowed to sponsor certain residents if you are above 18 years of age.

4. Free Education for children

The government of Canada ensures free education up to Grade 12 for all children (uptil the age of 18 years) of permanent residents.

Canadian education has three levels – primary, secondary, and higher education.

Moreover, tuition fees are dramatically reduced for permanent residents when it comes to university education.

5. Universal Healthcare

Canada immigration offers universal healthcare provided by the Canadian government and authorities.

For every canadian permanent resident visa holder of Canada, medical care is free , and it also covers all prescription drugs that are paid through the taxes.

You can also apply for public health insurance as a permanent resident in Canada.

Plan to move to Canada? Get help from an expert.

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6. Social Benefits

Immigrants in Canada can also enjoy plenty of social security benefits if they have accrued 40 credit points. This is equivalent to 10 years of work, or 40 quarters.

The residents of Canada can get suitable high-paying jobs, and tax rebates, which help them enjoy a quality life.

Other social benefits include retirement payments, disability benefits and survivors’ benefits for deceased workers.

7. Road to Canadian Citizenship

Once you get permanent resident status in Canada, you can live there for five years.

If you have physically lived in the country for 1,095 days (three years) out of the five, you become eligible for Canadian citizenship.

However, only the 5 years preceding the date of your filing the application for citizenship are considered to be valid.

8. Freedom to Move

You can move outside, inside or remain in Canada (multiple times) with the Canada PR card.

It grants you the freedom to move and take up residence in another province as well. You can pursue a new job, a new opportunity, or other types of livelihood throughout the country.

Mobility rights are expressly consolidated in Section 6 of the Canadian Charter of Rights and Freedoms.

9. Freedom to Start a Business

Permanent residents in Canada are also known as landed immigrants. They can also legally start their own enterprise following Canadian immigration.

Under the benefits of Canada PR, you can invest in a franchise or start a new business with sole proprietorship, partnership, or corporation without being a Canadian citizen.

10. Safe & Secure Environment

Canada was named as the most peaceful country across the world by The Economist in 2007.

It is a safe and secure destination to settle. Immigrants with permanent residency in Canada have all the rights under Canadian Charter 6 to be protected by the government and authorities.

People giving priority to safety count this as the most important benefit of living in Canada.

Start your PR Journey!

People giving priority to safety count this as the most important benefit of living in Canada.

How can you get PR in Canada?

For a person who wants opt for Canada immigration, here are the top 5 categories you can get a PR:

1. Express Entry

The express entry program is valid all-round the year. It basically consists of three sub-categories:

Federal Skilled Workers Program (FSWP): This is for qualified and experienced professionals.
Federal Skilled Trades Program (FSTP): This is for qualified technical professionals with foreign worker experience.
Canadian Experience Class (CEC): This is for professionals who have worked in Canada.

2. Family Class Immigration

A candidate with PR can also bring their family members to Canada through the Family Class Immigration Program .

You can sponsor your:

Common-law partner
Conjugal partner
Dependent children
Parents
Grandparents
Brother/Sister*
Nephew/Niece*
Grandson/Granddaughter*

*Orphans under the age of 18

3 . Provincial Nominee Program

PNP or Provincial Nominee Program is a unique program for skilled workers who can contribute to economic growth.

Each province or territory has its unique nominee program that helps them immigrate skilled employees and students who can help grow the area.

4. Business Immigration

Canada also attracts business investors, owners, and entrepreneurs through the Business Immigration program.

It helps people who have experience in owning or running a business to enjoy the benefits of Canada PR.

5. Atlantic Immigration Program

The Atlantic Immigration Program is a route to permanent residence for international students and skilled workers who want to stay and work in one of Canada’s 4 Atlantic regions. The regions are:

New Foundland and Labrador

What is the Cost for Canada PR?

Your complete application process for a Canada PR visa will cost you around $ 1350 .

How many points are required for a Canada PR Visa?

Currently, a candidate must have a minimum 67 points out of the total 100 to apply for a PR in Canada. It includes parameters like:

Individuals with younger age can have an advantage under certain immigration programs. In the case of a Federal Skilled Worker Program, you can get more points if you are younger as per the CRS.

Education level

Those with higher educational qualifications will get more points. To become eligible for Canada PR, you must have secondary school level education as per the Canadian level.

English language Proficiency

With a higher IELTS score, you will get more points. You need to show that your English language skills are on par with the Canadian level to become eligible for PR in Canada.

Work Experience

Applicants who have at least one year of work experience (30 hours per week) in a skilled job get more points under the CRS. With more experience, you can get more points and improve your chances.

Adaptability

An applicant gets extra points for the ability to adapt to the country. If you have a spouse with an eligible IELTS score or blood relation in Canada, you can get extra points.

After the initial requirement is fulfilled, you must then apply for one of the pathways to Canada as mentioned above.

To receive a PR for Canada, you must have a good CRS score.

Our visa experts can help you with this!

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Other Important FAQs

What is the best way for an indian to get a canadian pr.

While many programs allow Indians to immigrate to Canada, the Express Entry system is an ideal way. It is a comprehensive way that allows skilled workers to secure a PR visa in Canada. Although there are 60 different immigration programs, yet below are the top 3 categories for Indians. They are:

Federal Skilled Workers Program
Provincial Nominee Program
Canadian Experience Class

If you are eligible for the Express Entry program, you can submit your documents, create a profile, and apply for the visa. Seek advice from an immigration consultant to know more about Canadian PR programs.

Learn about how to apply for a PR Visa in 7 easy steps!

Can you lose PR visa status in Canada?

You can lose your PR status if you do not renew the validity of your residency before the expiry date. According to canadian law, you can lose canadian permanent resident status if you haven’t stayed in Canada for at least 730 days in the last five years.

You can also lose your PR if you:

Become a Canadian Citizen
Become inadmissible to Canada
Renounce your PR status

Which countries can you travel to with Canadian Permanent Resident Card?

With a Canadian permanent resident travel document, you can travel to many countries without going through the process of visa application. Here are a few of the 25 countries that allow you to travel with Canadian passport:

Cayman Islands
Costa Rica
El Salvador
Mexico
South Korea

Conclusion:

Just to sum up a few benefits of a Canada Permanent Residence status:

Canada was the first in the world to pass a Multiculturalism Act. Meaning, it accepts and promotes people of all races, cultures, religion and sexual orientations.
Canada offers one of the world’s best work-life balance plans at workplaces.
And yes, the social benefits, healthcare, education, and a high quality of life that come with a Canada permanent residency status are always a delight to experience.
Canadians are generally known to be friendly and inviting - that’s much appreciated as it is very important. Especially when you are planning to live there permanently.
If you like travelling and exploring new places, Canada is going to pleasantly surprise you with its landscape, food and culture.

It is okay to say that when it comes to choosing a country that would be best to migrate to, Canada sure ticks all the right boxes.

As a post-COVID recovery plan, Canada has a target set to Welcome over 4 Million Immigrants in 2021!

So if you want to move to Canada, connect with us. We can help unleash your dream of moving to Canada and obtaining a PR status there!

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The Best Travel Insurance in Ontario: A Practical Guide

Posted on Published: January 10, 2024 - Last updated: March 13, 2024

Categories Blog , Product Reviews , Resources , Reviews , Travel Planning , Travel Safety

Looking for the best travel insurance in Ontario and the rest of Canada? Travel insurance is an absolute essential when you’re travelling outside of the province. Accidents and emergency situations happen all the time. It’s best to be well-equipped should these potential pitfalls arise.

We’re going to explain why you need travel insurance and include a brief guide to how travel insurance works . Then, we’ll introduce you to our insurance company of choice, soNomad . They’ve quickly become our new favourite travel insurance company due to their simple and low cost approach. Who said that travel insurance had to be complicated and expensive?

This article contains affiliate links, which help run this site at no extra cost to you.

Table of Contents

Why Do I Need Travel Insurance?

Everyone needs travel insurance, plain and simple. If you are travelling outside of Canada, you need travel insurance. While visiting new destinations and embarking on new adventures can be incredible, life-changing experiences, it’s always best to expect the unexpected. Anything can happen when you’re away, and these situations become much more complicated when you’re not close to home.

Travel insurance provides a safety net should the unexpected happen. You could face a medical emergency, unanticipated trip cancellations, or family emergencies where you need to travel back home earlier than expected. There might be other problems like flight cancellations, lost baggage, or even natural disasters.

Travel insurance is for everyone. It doesn’t matter whether you’re a business traveller, student on exchange, backpacker, frequent traveller, cruiser, senior or retiree, expatriate, or any kind of tourist. If you’re leaving the country, please plan ahead and protect yourself with a travel insurance policy.

The Best Travel Insurance in Ontario: soNomad

Best travel insurance in Ontario, Canada

After reviewing and trying several travel insurance companies, soNomad stands out as the best travel insurance in Ontario. They describe themselves as a “no-nonsense travel insurance company”. I love that. You have enough planning to do for your trip, so why should travel insurance be overly complicated?

soNomad has reinvented travel insurance and you will save up to 25% in the process when compared to other travel insurance companies. They can offer lower travel insurance prices as they have access to exclusive products that are not offered by other companies.

Their policies offer emergency medical coverage to Canadians travelling outside of their provinces. soNomad’s trip cancellation and interruption insurance protects you from financial costs associated with unexpected events.

soNomad also offers travel insurance for visitors to Canada. If you live outside of Canada but you’re planning a trip to Canada, you can take advantage of their “visitors to Canada travel insurance”. This will save you from costly medical bills while you travel to Canada.

Best Travel Insurance in Ontario: What Does soNomad Cover?

soNomad offers extensive travel insurance coverage in a variety of areas. When it comes to travel medical insurance, trip cancellation or interruption, flight delays or cancellation, baggage insurance, emergency evacuation and repatriation, and adventure sports, they’ve got you covered.

Travel Medical Insurance

Medical insurance is often the first thing that comes to mind when people think of travel insurance. If you have travel medical insurance, your bills will be covered if you need to visit the doctor or hospital when you’re abroad.

Considering how much medical attention can cost in foreign countries, every traveller should have travel medical insurance. Medical expenses abroad could leave you with substantial debts and financial ruin. So, instead of worrying about the medical bill, you can focus on your own recovery.

As an additional note, it is important to get travel medical insurance, even if you’re travelling out of province. Canadian provincial healthcare covers you if you get injured in another province or territory, but it may not provide coverage for emergency services such as a helicopter evacuation.

Trip Cancellation/Interruption

Having trip cancellation will allow you to cancel your trip before departure or while you’re travelling. You might have a sudden illness or injury that keeps you from your holidays. There might be a family emergency that forces you to stay home or return home unexpectedly.

Adding trip cancellation and interruption insurance means that you’ll secure the cost of your trip should the unforeseen happen. You can reschedule your trip for a later date without losing out.

Flight Delay or Cancellation

Flight delays and cancellations happen all the time. These can completely interrupt your original itineraries or turn your vacation into a chaotic situation. For example, if you’re going on a cruise and the ship leaves on a set date, a flight delay or cancellation can completely impact your trip.

Travel insurance can help you right away when you have a flight delay or cancellation. It will help you with your meals and accommodations that are necessary while you wait for the next available flight.

Baggage Insurance

Baggage insurance pays you if your bags are lost or delayed. I’ve been in situations where I’ve waited at the luggage carousel at the airport…and my suitcase never appears. With travel insurance, you can recoup your losses as you’ll likely need to purchase many new items upon arrival.

Emergency Evacuation and Repatriation

Natural disasters and political conflicts can happen overseas. Travel insurance provides a backup plan in case there is an emergency evacuation or you need to be repatriated. soNomad will walk you through all the necessary steps to ensure your safety, especially when it comes to dangerous situations.

Adventure Sports Coverage

Did you know that many travel insurance policies won’t cover adventure sports? For parasailing, scuba diving, skiing, and others, you may not be covered. Fortunately, soNomad offers policies that are designed to protect you for adventurous activities overseas. To make sure you are covered for the sports activities you’ll be participating in, please reach out to a soNomad representative at 1-855-221-4555.

Why is soNomad the Best Travel Insurance in Ontario?

Does soNomad offer the best travel insurance in Ontario and other provinces within Canada? There are a few things that set soNomad apart from other travel insurance companies.

Not only can you receive 24/7 customer service and have peace of mind when you travel overseas, but you’ll also find that soNomad offers the most affordable travel insurance. With the money you save on your travel insurance, you can splurge on something fun during your vacation!

The Most Affordable Travel Insurance

soNomad has a unique, low-cost approach that will save you money. They are completely transparent when it comes to their fees. I’ve never seen any other travel insurance company that explains their fee structure. When you compare your travel insurance quote with soNomad to other travel insurance companies, you’ll save up to 25%!

Peace of Mind While Travelling

Travel insurance is essential for your own peace of mind. It’s most likely that you won’t need to use your insurance policy and there won’t be any mishaps while you are away. But, you never know when problems may arise.

I’ve broken my ankle in the past on a trip outside of the province. I also avoided a close call once – I was flying home from India just two days before their borders closed due to the global pandemic. There are many situations that can arise that are completely out of your control. Having travel insurance will put your mind at ease because you know you’ll be protected in case anything does happen.

Customization of Your Travel Insurance Policy

You can completely customize your travel insurance policy to your personal needs. Whether you need simple medical coverage or more comprehensive coverage, soNomad can cater to your travel insurance requirements. Every traveller is different!

24/7 Customer Assistance Service

Problems can arise at any time of the day and within all time zones. With soNomad, you can receive customer assistance 24 hours a day, 7 days a week by telephone. You will receive continuous support throughout your trip. This is one reason why they offer the best travel insurance in Ontario.

Before the trip, you can always call to ask about requirements for visas, passports and vaccinations. During the trip, the representatives at their assistance service can help direct you to hospitals and healthcare facilities. They’ll help you in case your luggage or personal items are stolen or lost. If you need any assistance at all, soNomad is there for you any time of day.

The Next Steps: Purchasing Travel Insurance with soNomad

We highly recommend purchasing travel insurance before you travel. If you aren’t sure of your travel end dates, you can always buy your insurance for a set amount of dates and extend your policy. Simply get in touch with soNomad to extend your policy before your scheduled expiration date. It’s as easy as sending soNomad an email to get things sorted with an agent.

There are a couple of ways that you can buy your travel insurance with soNomad . If your travel plans are pretty straightforward, I recommend buying your travel insurance online from their website. If you have a complicated situation or you’d rather talk to an agent, you can always phone soNomad and purchase your insurance over the phone.

How to Purchase Travel Insurance Online in Minutes

It’s easy to buy the best travel insurance in Ontario, anytime, anywhere. You can get a quote for travel insurance in minutes. From there, you can purchase the travel insurance for your trip with soNomad.

I am sure you’ll be delighted to find that soNomad is amongst the most affordable travel insurance. If you compare their quotes with quotes from other travel insurance companies, they are much more cost effective. Get your free online quote here.

Call the soNomad Team

If you’d like to talk to a human, give soNomad a call at 1-855-221-4555. Their team will assist you through the booking process and answer any questions that you might have.

Travel Insurance for Canada

Please note that this policy is not applicable for more than 90 days on an immigrant visa. Kindly ensure your travel duration is 90 days or less.

Please note that this policy is not applicable for more than 180 days on a non-immigrant visa. Kindly ensure your travel duration is 180 days or less.

List of USA and Canada Countries

France Belgium Czech Republic Denmark Estonia Finland
Austria Germany Greece Hungary Iceland
Italy Latvia Liechtenstein Lithuania Luxembourg
Malta Netherlands Norway Poland Portugal
Slovakia Slovenia Spain Sweden Switzerland

List of European Union Member States These are not Schengen States but with similar travel insurance requirements.

List of schengen countries, list of european union member states these are not schengen states but with similar travel insurance requirements. our schegen travel insurance covers these countries., list of asia countries.

Afghanistan Armenia Bahrain Bangladesh Bhutan
Brunei Cambodia China Cyprus Indonesia
Iraq Israel Japan Jordan
Kuwait Kyrgyzstan Laos Lebanon Malaysia
Maldives Mongolia Nepal
Oman Pakistan Palestine Philippines Qatar
Saudi Arabia Singapore South Korea Sri Lanka
Taiwan Tajikistan Thailand Timor-Leste Turkmenistan
United Arab Emirates (UAE) Uzbekistan Vietnam Yemen
Rest of the World
Russia Turkey Azerbaijan Georgia Kazakhstan

Travel Scope

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List of Schengen States

List of asian countries, non schengen european union states covered under icici schengen travel insurance.

USA or Canada

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Canada Beckons You to Explore

ICICI Lombard’s Travel Insurance policies are designed to suit specific needs, for instance, the Multi Trip Travel Insurance is ideal for frequent travellers, being economic and hassle-free. We provide you financial security against loss of baggage or passport, hospital bills, and theft to name a few, no matter where you are. Whether you are traveling for leisure or business, we have you covered.

Canada is the second biggest country in the world and is known for its breath-taking mountains and lakes, skiing destinations and vacation spots. Prince Edward Island is the home to rolling green hills, red sandstone cliffs and a delicious bounty of seafood, offering a relaxing respite from Canada's more adventure-driven destinations. Whistler is a Canadian resort town that boasts everything from skiing and snowboarding to bungee jumping off bridges and fishing.

Travelling abroad can be a wonderful experience, but this can quickly change in case of unforeseen circumstances such as loss of belongings, delays or even medical emergencies that can burn a hole in your pocket due to high medical expenses abroad. Travel insurance aims to be your safety jacket to shield you from these adversities.

If you are planning a trip with your family or travelling solo, ICICI Lombard’s Travel Insurance with value-added services and benefits will ensure you conclude your trip to Canada with fond memories.

Benefits of Travel Insurance in Canada

Daily Allowance in Case of Hospitalisation

Emergency Hotel Extension

Cashless Hospitalisation Worldwide

No Medical Tests up to 85 Years of Age

Trip Cancellation and Interruption Reimbursement

Coverage for Total Loss of Checked-in Baggage

Emergency Cash Advance (for instances such as theft, burglary etc.)

Things to Do in Canada

Whether you love that adrenaline rush, enjoy wildlife exploration or yearn for the city lights with its unique culture, Canada has you covered. Here are some destinations worth visiting while in Canada:

Toronto, Ontario

Toronto is a major Canadian city along Lake Ontario’s north-western shore. It is a dynamic metropolis with soaring skyscrapers that reach for the heavens, dwarfed only by the iconic CN Tower.

Ottawa is Canada's capital near the city of Montréal and shares its city limits with the U.S. border. Sitting on the Ottawa River, it has at its centre Parliament Hill, with grand Victorian architecture and museums. It is also home to the Canada Aviation and Space Museum, which showcases the aviation history of Canada.

Montréal is the largest city in Canada's Québec province. This city hosts numerous events and festivals, the International Jazz Festival and Just for Laughs comedy festival are major summer events.

Vancouver is among Canada’s densest, most ethnically diverse cities. A popular filming location, it is surrounded by mountains, and also has thriving art, theatre and music scenes.

Niagara Falls, Ontario

The famous waterfall that links Canada to the United States by the Rainbow Bridge, Niagara Falls is an attraction everyone should see at least once. This awe-inspiring site, and a trip to view the crashing waters on the venerable Maid of the Mist boat tour, is a must-experience.

Embassy Information

It is vital to know the location of your country's embassy and consulates in the country you are visiting. This will help you in case of events like loss or theft of passport. The following table presents the Indian Embassy and Consulate locations in Canada:

List of International Airports in Canada

Visa procedure.

To apply for a Canadian Visa, you need to fill and submit the visa application form. The form can be availed through Canadian online portal ( www.cic.gc.ca/english/ ) or through third party vendors like Travel Visa Services ( https://canada.visahq.in/ ).

To apply for visa, keep the following information handy:

Application Form for Temporary Resident Visa (IMM 5257)
Family Information form
Statutory Declaration of Common-law Union Form (IMM 5409)
Fee payment in an acceptable format
A photocopy of the information page of your valid passport or travel document
Two photos meeting the requirements of the visa application photograph specifications
Proof of Financial Support
Purpose of Travel

The current visa application charges for Indian residents can also be availed through Canadian Visa online portal. The same portal can be referred for all other visa related queries. For further details and queries, you can also reach out to the Canadian Embassy and Consulates in India:

List of Well-known Indian Restaurants in Canada

The Canadian population comprises large sections that have partial or pure Indian roots, which is why you will find several Indian restaurants that offer Indian meals while away from home.

Customer Reviews

Abhishek Gupta

My wife and I went to Canada for our honeymoon. Unfortunately, our luggage got stolen. Had it not been for ICICI Lombard travel insurance policy, I don't know what we would have done.

Jyoti Saluja

I was on my first on-site assignment in Ontario, Canada and as I arrived at the airport, my luggage went missing, the airport authorities weren't helpful and it was my first overseas travel so I was confused as well as terrified. I was surprised how quickly and efficiently ICICI Lombard handled my problem and provided me with a solution.

International Travel Insurance

ICICI Lombard also offers insurance for the below products

Two Wheeler Insurance

Car Insurance

Health Insurance

Home Insurance

Travel Insurance

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First , we provide paid placements to advertisers to present their offers. The payments we receive for those placements affects how and where advertisers’ offers appear on the site. This site does not include all companies or products available within the market.

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While we work hard to provide accurate and up to date information that we think you will find relevant, Forbes Advisor does not and cannot guarantee that any information provided is complete and makes no representations or warranties in connection thereto, nor to the accuracy or applicability thereof.

How To Get Pre-Existing Conditions Covered By Travel Insurance

Updated: Oct 4, 2023, 7:04am

What is a pre-existing condition for travel insurance, how to get coverage for a pre-existing condition, which travel insurance companies offer coverage for pre-existing medical conditions, pre-existing conditions not eligible for a coverage.

You’re planning a once-in-a-lifetime trip to Europe with your parents to celebrate their 40th anniversary. You know that travel insurance is important in case of a medical emergency, but you’re worried about getting coverage for your father because of his diabetes. You’ve been told that most standard travel insurance policies won’t offer coverage for this and other pre-existing medical conditions unless he meets certain requirements.

While your father’s diabetes is controlled, you know it’s risky to purchase a policy knowing his diabetes might not be covered if he requires treatment while travelling and you need to file a claim.

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World Nomads Travel Insurance Review

On World Nomad’s Website

Emergency medical

$5 million, $10 million

Cancel For Any Reason (CFAR)

Baggage insurance (Maximum)

$1,000, $3,000

Rest assured, there are options for travellers with pre-existing conditions to ensure they are eligible for reimbursement if they encounter health issues during your trip.

In general, a pre-existing condition is defined as any sickness, injury or medical condition that existed before the start of your coverage, whether or not diagnosed by a physician, that you showed signs or symptoms of or received medical attention for.

Each insurance company will have its own requirements, typically of seven, 30, 80, 180 or 365 days, that your condition must remain “stable” or unchanged before your coverage takes effect. This is either the day you leave on your trip (for emergency medical or trip interruption) or the day your policy takes effect (for travel coverage, such as trip cancellation).

While each insurer has its own definition, essentially a medical condition or injury is considered “stable” when all of the following are true:

There has been no deterioration of the medical condition.
There have been no new symptoms or more frequent symptoms.
There has been no change in treatment or alteration of medication.
There has been no treatment received, prescribed or recommended by a physician or other registered medical practitioner.
There is no pending lab results or diagnostics.
There has been no hospitalization or referral to a specialist.

Travel insurance companies normally exclude pre-existing conditions from coverage, which ranks among the most frequent reasons for denial of travel insurance claims. What’s more, you don’t need an official diagnosis from a health care professional to have something designated a pre-existing condition for travel insurance purposes. If your medical record reveals you reported symptoms of a condition that was later diagnosed, that is enough to have that condition deemed ineligible for coverage.

To determine what qualifies as a pre-existing condition, a travel insurance company can review your medical records for the stipulated number of days before the day the policy was purchased. If you had any changes in your medical status during that period, such as a new diagnosis, a decline in health or the addition of new prescription medication, the condition will be considered pre-existing.

For example, say you were diagnosed with and prescribed medication for high blood pressure on January 15 and you plan to take a trip to Mexico on March 19, or 63 days later. Based on your age, your travel insurance provider requires a 30-day stability period before you leave on your trip for your condition to be covered for emergency medical insurance. As long as your symptoms and treatment of your high blood pressure do not change during that time, it should be covered by your medical insurance.

However, if, for example, you receive a change of dosage of medication, either an increase or decrease, during those 30 days, your condition is now not considered stable and will be ineligible for reimbursement without additional coverage. Keep in mind that you are still eligible for medical treatment if something else happens on your trip even with a medical exclusion. For example, if you fall down some stairs and break your wrist, those medical expenses are covered.

Without pre-existing condition coverage, a travel insurance company won’t pay for medical bills or claims related to your recent medical history if you require emergency treatment due to that condition.

But don’t panic. If you’re looking for travel insurance that offers comprehensive coverage regardless of your medical history, there are several coverage options for travellers with a pre-existing conditions. Keep in mind that not all insurers offer these options.

Pre-existing medical condition waiver : If you purchase your policy within a set timeframe, you insure the full nonrefundable costs of the trip and you’re able to travel on the date of purchase, this waives any pre-existing condition exclusions. There is typically no extra cost for the waiver.

Individual underwriting: Some insurance companies offer a separate and personalized individual underwriting application option where you complete a more detailed medical questionnaire and then the medical underwriter reviews your responses and, if approved, you are provided with customized travel insurance coverage.

Reduction of stability period: Typically sold as an add-on (also known as an endorsement or rider), this option reduces the amount of time that your pre-existing condition needs to be considered stable before being eligible for coverage. There is typically a maximum benefit amount that is lower than the emergency medical benefit payout. For example, AMA Travel Insurance offers $5 million in emergency medical, but a maximum of $200,000 in coverage for the pre-existing conditions rider.

Pre-existing condition exclusion: A pre-existing condition can push up the price of your insurance significantly. In addition to a reduction of stability period option, Tour+Med offers an innovative Optional Exclusion option where you can exclude an organ or complete system that’s affected by the pre-existing condition in return for a lower premium. For example, if you have asthma that does not meet the “stable and controlled” conditions, you can choose to have your asthma excluded, which would also exclude the entire respiratory system. So if you were to get sick with bronchitis, that also would not be covered.

Personalized pre-existing conditions packages : Some insurers feature customized packages for travellers (often over a certain age) with coverage for pre-existing medical conditions. Rather than purchase this as an add-on to an existing insurance policy, this is a separate policy, such as Manulife’s TravelEase insurance coverage or RBC Insurance’s TravelCare package.

While pre-existing conditions are an exclusion for all standard travel insurance policies, these travel insurance companies offer the following coverage options:

AMA Travel Insurance : Pre-Existing Condition Rider that offers up to $200,000 in emergency medical coverage and reduces the stability period to seven days.
BCAA Travel Insurance : Optional Pre-Existing Condition coverage that offers up to $300,00 in emergency medical coverage and reduces the stability period to seven days.
Pacific Blue Cross : Optional Pre-Existing Condition Benefit offers coverage for pre-existing conditions and reduces the stability period to seven days.
CAA Travel Insurance: Pre-Existing Condition Rider that offers up to $200,000 in emergency medical coverage and reduces the stability period to seven days.
Desjardins Travel Insurance : Stable for 3 Months add-on reduces your stability period from 182 days to 90 days.
Goose Travel Insurance : Unstable Pre-Existing Medical Condition endorsement shortens your stability period to seven days.
Manulife Financial: TravelEase insurance package covers many fully disclosed pre-existing medical conditions with up to $5 million in benefits.
Medipac Travel Insurance : Individual Underwritten Application for travellers who do not otherwise qualify for standard coverage.
RBC Travel Insurance : For travellers over age 75, the TravelCare package may cover pre-existing conditions, depending on your answers to a medical questionnaire.
Scotiabank Travel Insurance : Individual Medical Underwriting Plan for travellers of any age who would like their pre-existing medical conditions covered with no stability requirements.
Tour+Med : For travellers under 86 years old, a Reduced Stability Period option reduces the stability period from three months to 30 days before departure (for travellers under age 69) and from six months to 30 days (for travellers 70 to 85 years old). There’s also an Optional Exclusion option to remove an organ or complete system from coverage.
Travel Guard : Pre-existing Medical Condition Exclusion Waiver that waives any pre-existing medical condition exclusion if the policy is purchased within 15 days of the initial trip payment, any additional payments are insured within 15 days of purchase and you are medically able to travel when you pay your premium.
TravelSafe : Pre-existing Medical Condition Exclusion waiver that waives any pre-existing medical condition exclusion if the policy is purchased within 21 days of the initial trip payment, all prepaid costs are insured and any additional payments are insured within 21 days of purchase and you are medically able to travel when you pay your premium.
TuGo : Unstable Pre-Existing Medical Condition add-on that can be purchased in addition to the emergency medical insurance plan that provides coverage for a pre-existing medical condition that was not stable up to seven days before your departure date.

The terms and conditions vary by company, so be sure to read your policy carefully. Most insurers offer a minimum 10-day right to examine period where you can review your policy to ensure it meets your needs and cancel for a full refund if you’re not completely happy.

Even with a waiver or optional endorsement, some conditions likely won’t be covered by travel insurance, such as:

Alzheimer’s disease or dementia
Anxiety, depression or other mental health disorders
Complication-free pregnancy or childbirth
Illness or injury related to alcohol or drug abuse
Heart conditions treated with nitroglycerin
Lung conditions treated with prednisone or prednisolone

In addition, some insurance companies have a list of medical conditions that make you ineligible for coverage, especially over a certain age. For example, travellers over age 55 hoping to get Blue Cross Travel Insurance are ineligible for coverage if they:

Have received medical advice not to travel
Suffer from a medical condition in a terminal stage
Suffer from kidney failure treated with dialysis
Have been diagnosed with or treated for metastatic cancer in the last five years
Have been prescribed or treated with home oxygen in the past 12 months

The Bottom Line

Be sure to carefully read the fine print of your travel insurance policy (especially the exclusions section) to see what’s covered and what’s not when it comes to pre-existing conditions, or ask your travel insurance agent or broker for help. Also, be aware of the policy’s limits for travel medical insurance and medical evacuation coverage, to avoid any surprises.

Also, even if you’re worried about not being offered coverage due to a pre-existing condition, be sure to answer the medical or health questionnaire completely, honestly and accurately. Most travel insurance companies reserve the right to deny or limit your coverage reimbursement if you are found to have lied or omitted information on your questionnaire.

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Fiona Campbell is a Staff Writer for Forbes Advisor Canada. She started her career on Bay Street, but followed her love for research, writing and a good story into journalism. She is the former editor of Bankrate Canada, and has over 20 years of experience writing for various publications, including the Globe and Mail, Financial Post Business, Advisor’s Edge, Mydoh.ca and more.

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For International Experience Canada, you must have health insurance for the entire time you are in Canada. The health insurance must cover. medical care; hospitalization; and. repatriation. We recommend you buy this insurance only after you receive your port of entry (POE) letter. We can't recommend specific insurance companies or plans, but ...
Do I Need Travel Insurance When Travelling Within Canada?
Baggage insurance (Maximum) $1,000, $3,000. The Travel Industry Council of Ontario ( TICO) recommends that Canadians should always protect themselves by purchasing medical insurance even when ...
Canada Travel Insurance
In general, travel insurance to Canada costs about 3 - 10% of your total prepaid and non-refundable trip expenses. The cost of travel insurance depends on two factors for AXA Travel Protection plans: Total Trip cost: The total non-prepaid and non-refundable costs you have already paid for your upcoming trip.
Travel Insurance for Visitors to Canada
Why Manulife. Our Visitors to Canada travel plans are comprehensive and flexible - all have the following benefits: Access to Manulife's Travel Assistance 24/7 - 365 days a year. Receive a full refund if your plans change or get cancelled before the effective date. Side trips are covered when you travel to another destination from Canada.
Travel insurance for pr holders?
40. Vancouver. Dec 17, 2018. #2. Yes, you can get a travel insurance policy for Canadian residents travelling out of province as long as your government insurance coverage is active (i.e. OHIP in Ontario, MSP in BC, etc.). You should have it active for as long as you are on a trip outside your province of residence.
Visitors to Canada Travel Insurance
How much does travel insurance for visitors to Canada cost? The cost of travel insurance can vary and is mainly based on the age of each insured person, the coverage limit, and the length of the trip. Most insurance providers offer emergency medical coverage per person from CA$50,000 to as high as CA$500,000.
Trip interruption and travel health insurance
No matter where you're travelling, your travel health insurance policy should always cover 3 things: 1. Medical evacuation. Make sure your policy covers medical evacuation to Canada or to the nearest place with medical care. The policy should also cover the costs of a medical escort to travel with you to your destination. 2.
Best Travel Insurance in Canada in 2024 and What They Cover
6. Desjardins. Desjardins offers travel insurance for all kinds of travellers, from students to snowbirds to business travellers. You can get coverage for short trips, extended stays longer than 30 days, or choose a frequent travel option for flexible yearly coverage. All insurance packages cover emergency health care, an emergency return trip ...
Canada's Best Travel Insurance
Compare Canada's best travel insurance quotes. Apply online for Travel Insurance for Visitors to Canada, Super Visa holders, or Canadians Traveling abroad. Connect with our licensed Canadian insurance advisors. 1-888-601-9980. SCHEDULE A CALL. Life Insurance Mortgage Protection Critical Illness ...
Can a Canadian Permanent Resident Travel to USA? Your Guide
As a Canadian permanent resident, you may wonder if you can travel to the USA. The good news is that Canadian permanent residents are generally allowed to enter the United States for tourism, business, or other purposes. However, there are specific entry and exit requirements that you need to be aware of before planning your trip.
Travelling in Canada
Travel within Canada Package. You are covered for: Unlimited eligible emergency medical expenses. Disclaimer. 2. Travel expenses to get you home after a medical emergency or other trip interruption. Last-minute cancellation or trip interruptions due to family/work emergencies, unexpected health issues or other unforeseen events. Non-refundable ...
Do I Need Travel Insurance For Canada?
Travel insurance for Canada isn't compulsory, but it's highly recommended to cover for any lost or stolen baggage, the possibility of your trip getting cancelled due to an emergency, illness ...
Health Insurance for PR (Express Entry)
I have PR (from express entry) and will fly to Canada in 3-4 months for the first time. Do I need to have a health insurance before landing. Some people say that a private health ins. would be essential as the procedure of the canadian health system to cover you would take about 3 months. Therefore, a 3 month private insurance is required.
12 Best Travel Insurance Companies Of July 2024
PrimeCover - Best for Evacuation. Travel Insured International - Best for Non-Medical Evacuation. WorldTrips - Great for Add-On Coverage. TravelSafe - Best for Missed Connections ...
US travel insurance for Canadians, Travel insurance Canada to US
Buy Now : Travel insurance providers: Snowbird insurance coverage for acute onset of Pre-existing conditions: Covers Acute onset of Pre-existing condition coverage up to 69 years the limit is up to the medical maximum purchased per period of coverage and for any coverage related to cardiac disease, coverage is limited to $25,000.
Travel insurance for Canadians: Know before you buy coverage
Travel insurance policies vary widely across Canadian providers -- but it is up to the consumer to ensure they will be covered. Will McAleer, executive director of the Travel Health Insurance Association of Canada (THIA), says travellers shouldn't put insurance on a quick to-do list before they leave for a trip.. Purchasing a policy "needs to be a process," he tells V.I.A., noting that there ...
10 Benefits Of Having a Permanent Resident Status In Canada
This is equivalent to 10 years of work, or 40 quarters. The residents of Canada can get suitable high-paying jobs, and tax rebates, which help them enjoy a quality life. Other social benefits include retirement payments, disability benefits and survivors' benefits for deceased workers. 7. Road to Canadian Citizenship.
The Best Travel Insurance in Ontario: A Practical Guide
It's easy to buy the best travel insurance in Ontario, anytime, anywhere. You can get a quote for travel insurance in minutes. From there, you can purchase the travel insurance for your trip with soNomad. I am sure you'll be delighted to find that soNomad is amongst the most affordable travel insurance. If you compare their quotes with ...
Travel Insurance for Canada from India: Buy Policy Online
Buy International Travel Insurance for Canada with ICICI Lombard. Get access to cashless medical facility, coverage for lost baggage & trip cancellation with 24x7 assistance without medical test. ... Toll Free 1800 2666 Fax no - 022 61961323. (International Travel Insurance) Misc 129, CIN (L67200MH2000PLC129408) ...
Best Travel Insurance for Canadians Visiting USA
4. Allianz Global Assitance's Travel Insurance Medical + Cancellation Plan. If you are 15 days old to 84 years old and are travelling to the USA for one trip lasting for a month and need coverage for medical and trip cancellation, for $178.72 (price varies, depending on your trip details and other information), you can avail yourself of ...
How To Get Pre-Existing Conditions Covered By Travel Insurance
RBC Travel Insurance: For travellers over age 75, the TravelCare package may cover pre-existing conditions, depending on your answers to a medical questionnaire. Scotiabank Travel Insurance ...
Travel Insurance for Mexico
The cost of travel insurance for your Mexico trip can vary depending on your travel needs and critical risk factors such as traveller (s) age, number of travellers, trip duration and the level of coverage. But on average, it will cost you 4%-10% of your total trip cost. Additional risk factors that can increase the price you pay for travel ...

35 VISA-FREE Countries for Canadian PR Holders [2024 Edition]

Table of Contents

How many countries you can visit with Canadian PR?

North America

Central America

03. Costa Rica

04. El Salvador

05. Guatemala

06. Honduras

07. Nicaragua

09. Anguilla (British Territory)

10. Antigua and Barbuda

12. Bahamas

13. Bermuda (British Territory)

14. Bonaire (Dutch Territory)

16. Curaçao

17. Dominican Republic

18. Sint Maarten

South America

21. Armenia

22. Georgia

23. Moldova

24. Montenegro

25. United Kingdom

Middle East

29. Morocco

31. Philippines

32. Singapore

33. South Korea

35. Thailand

Can you use a Canadian visa to travel to these countries?

PLAN YOUR TRAVEL WITH VISA TRAVELER

01. Apply for your visa

02. Book your fight

03. Book your hotel

04. Get your onward ticket

05. Purchase your insurance

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