Canadian residents traveling abroad: your provincial health coverage offers almost no protection outside Canada. Visitors coming to Canada: you are not covered by provincial health plans and face the same high medical costs.
Whether you are leaving or entering Canada, travel insurance is not optional—it is essential. 世界充满未知。一场意外或疾病，可能带来数十万加元的账单。
加拿大居民出境，省级医疗保障在境外几乎无法报销；海外访客来加，不享有本地医保，面对同样高昂的医疗费用。
无论出境还是入境，旅行保险都不是可选项，而是必需品。
1. Canadians Traveling Abroad
⚠️ Your OHIP / provincial health card won't save you abroad
Ontario's OHIP covers less than $400/day for emergency hospitalization abroad — and will only pay if pre-approved. In the US, a single ICU day can cost $10,000–$30,000. Without travel insurance, you're personally liable for everything.
🏥 Emergency Medical
Hospital stays, emergency surgery, doctor visits, and prescription drugs abroad.
🚁 Emergency Evacuation
Helicopter or air ambulance transport to the nearest adequate medical facility or back to Canada.
🪖 Trip Cancellation
Reimburse non-refundable travel costs if you cancel due to illness, injury, or covered reasons.
✈️ Trip Interruption
Cover additional accommodation and return flights if your trip is cut short due to a medical emergency.
💼 Baggage & Personal Effects
Coverage for lost, stolen, or damaged luggage and personal belongings.
☠️ Travel Accidents
Accidental death and dismemberment coverage during your trip.
💡 The Risk of Traveling Without Insurance
A US hospital day can cost $10,000–$30,000. OHIP covers less than $400/day abroad — and only with pre-approval. Without travel insurance, every dollar comes out of your pocket. A typical annual travel insurance plan costs $200–$500 — less than a single day in a US hospital.
2. Visitors to Canada Insurance (访客保险)
Coming to Canada? Whether you're visiting family, here for business, or exploring as a tourist, Canada's healthcare system does not cover visitors. A single hospital visit can cost thousands of dollars — protect your trip with Visitors to Canada insurance.
Did you know? Canada has no public health coverage for visitors
Unlike some countries, Canada does not provide emergency medical coverage for foreign nationals. As a visitor, you are responsible for 100% of your medical costs. A 3-day hospital stay in Canada can cost $30,000 or more.
Who Should Buy This?
- Parents and grandparents visiting from China, India, or other countries
- International students (study permit holders)
- Temporary foreign workers (work permit holders)
- New immigrants waiting for provincial health coverage
- Business travelers and tourists
- Returning Canadians without extended health coverage
What's Typically Covered?
- Emergency medical treatment (hospital, doctor, ambulance)
- Prescription drugs administered in hospital
- Emergency dental treatment (up to plan limits)
- Paramedical services (physiotherapy, etc.)
- Return of remains / funeral expenses
- Trip interruption coverage
What Medical Care Actually Costs in Canada (for Visitors)
| Service | Typical Cost |
|---|---|
| Emergency room visit | $800 – $1,500 CAD/visit |
| Hospital day (general ward) | $3,500 – $6,000 CAD/day |
| ICU day | $8,000 – $15,000 CAD/day |
| Emergency surgery | $15,000 – $80,000+ CAD |
| MRI scan | $2,000 – $5,000 CAD |
| Ground ambulance | $400 – $800 CAD |
| Air ambulance (within Canada) | $10,000 – $30,000 CAD |
| Emergency dental (toothache/infection) | $300 – $1,500 CAD |
A single week in a Canadian hospital can easily cost $50,000–$100,000+. Visitors to Canada insurance — typically $2–5/day — could save you from financial disaster.
Key Differences: Travel Abroad vs. Visitors to Canada
| Feature | Canadians Traveling Abroad | Visitors to Canada |
|---|---|---|
| Primary purpose | Supplement limited OHIP coverage abroad | Replace missing public coverage for foreign nationals |
| Typical duration | Per-trip or annual (multiple trips) | Usually per trip (up to 365 days) |
| Pre-existing conditions | May be covered if stable (conditions apply) | Often excluded or requires additional rider |
| Cost range | $1–4/day for annual plans | $2–5/day depending on age & coverage |
| Best for | Snowbirds, frequent travelers, US visitors | Parents, relatives, international students, new immigrants |
💡 Pre-Existing Conditions: Don't Skip the Question
Many travelers have pre-existing medical conditions. If your condition has been stable for 90–180 days (depending on the insurer), you may qualify for coverage. Failing to disclose pre-existing conditions can result in claim denial. Talk to us — we'll find a plan that works for you.
Common Mistakes to Avoid
- Assuming your credit card travel insurance is enough — most have low limits ($50K–$100K) and many exclusions
- Buying the cheapest policy — read the fine print for exclusions, especially for high-risk activities
- Not buying insurance immediately after booking — some plans have a 'stability period' that starts at purchase, not departure
- Forgetting to declare pre-existing conditions — even minor ones — can void your entire claim
- Not keeping receipts and medical records — essential for filing claims