Canada · Travel insurance

Canada Visitor Travel Insurance — Requirements & Super Visa Cover

Standard visitor (TRV) and eTA travellers to Canada are not legally required to carry travel insurance, but provincial health plans do not cover non-residents and out-of-pocket hospitalisation costs run into thousands of dollars per day. Super Visa applicants face a mandatory CAD 100,000 medical insurance requirement issued by an approved insurer.

Not mandatory but strongly recommended

Recommended minimum coverage: CAD 100,000 (Super Visa: mandatory; visitors: strongly recommended)

Requirements

Standard visitors: medical coverage of at least CAD 100,000 is strongly recommended.
Super Visa: minimum CAD 100,000 medical, valid for at least 1 year, from a Canadian-approved insurer.
Coverage for hospitalisation, doctor visits, prescriptions and emergency repatriation.
Optional: trip cancellation, baggage and rental-car protection.

Coverage recommendations

Coverage	Why it matters
Emergency medical	Hospitalisation, ER, ambulance and specialist visits — Canadian rates are among the highest worldwide.
Repatriation	Medical evacuation back to your home country if required.
Trip interruption	Reimburses unused, prepaid travel if you must return home early.
Baggage	Covers lost, stolen or delayed checked luggage.

Real-world example

Super Visa — parent of Canadian PR

A 64-year-old parent in India applying to visit their child in Toronto. The Super Visa application requires a CAD 100,000 policy valid for one year, issued by an IRCC-recognised insurer, with proof attached to the application.

Indicative cost: Super Visa policies for a healthy 60+ traveller range CAD 1,500–3,000 per year.

Recommended · Travel insurance

Protect Your Trip with Travel Insurance

Travel insurance may help cover medical emergencies, trip interruptions, lost baggage, and other unexpected travel expenses while abroad.

Medical emergencies
Trip interruption
Lost baggage

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Frequently asked questions

Is travel insurance mandatory for a Canadian visitor visa?

No — not for standard TRV/eTA, but it is mandatory for the Super Visa.

Does provincial health insurance cover visitors?

No. OHIP, MSP, RAMQ and equivalents do not cover non-residents.

Which insurers are approved for Super Visa?

IRCC accepts policies from Canadian insurers and, since 2022, certain designated international insurers. Always confirm with IRCC's current list before purchase.