We understand that an international trip to Canada during a pandemic could be challenging, as you have to comply with the travel requirements of your home country and fulfill the needs of the Government of Canada for travellers and tourists. Keep an eye on Canada’s travel restrictions regularly to comply with mandatory measures like testing and quarantine, which are ever-changing with the prevailing situation.
Canadian Visitor Visa & Permits
Are you planning to visit Canada using a visitor visa called the temporary resident visa, or a parent or grandparent looking for a Super Visa? You must keep your paperwork in order. Don’t keep probing on this till the last moment. The pandemic has brought many changes in travel policies, so it is advised to check the requirements for visitor insurance for work, study, or visit Canada based on your situation. Read more about the visitor insurance here.
10 Reasons Why You Should Choose Canadian L.I.C. Inc’s Visitors to Canada Insurance:
Even beyond the pandemic, visitors like you must understand that the medical insurance of your home country may not cover the emergency medical expenses. Moreover, the Government of Canada recommends that you take suitable Travel Insurance coverage throughout your stay in Canada. Canadian medical care could be expensive if you aren’t a resident of the country.
Canadian L.I.C. Inc’s visitor insurance for medical emergencies is a comprehensive choice that covers hospital care, emergency medical treatment for any illness or injury, doctor visits, ambulance, scan,/x-ray, diagnostic lab services, and prescription medicines, and more. It also includes 24/7 emergency medical assistance.
Read further to know a few of the best benefits to protect yourself during your stay in Canada with Canadian L.I.C. Inc.’s visitor’s insurance:
- COVID-19 coverage
You will be covered for any medical emergencies due to COVID-19 under this insurance. If you have any signs of COVID-19 and test positive or are diagnosed COVID-19 during your stay in Canada, you can claim the medical expenses for the same under this insurance. Don’t forget to follow the two points below before purchasing this insurance:
- Mandatory COVID-19 tests (including COVID-19 tests to meet statutory requirements ) are not covered, irrespective of the test results.
- You can not avail medical coverage for COVID-19 if you travel outside Canada when the Canadian Government has issued a travel advisory to “avoid all travel.”
- Simple eligibility Criteria
Purchasing this insurance is relatively easy, with the processing of documents for visitors aged 59 or below. Visitors aged 60 and above must fill out an easy medical questionnaire.
- Perfect pre-existing medical issues coverage
Do you have a stable pre-existing medical problem? We cover your expenses as long as you satisfy the policy’s stability norms.
- No waiting period
If you purchase your Travel Insurance before reaching Canada, you don’t have to go through the waiting period while you are sick. However, if you haven’t bought the insurance before reaching Canada, you may still buy it once you arrive here:
- If you have purchased the policy within 60 days of arrival in Canada, you may wait for 48 hours for medical expenses towards any disease or illness.
- If you have purchased the policy after 60 days of arrival in Canada, your waiting period will extend up to 7 days for expenses on any disease or illness treatment
- Coverage outside of Canada
You can avail coverage for worldwide travel as long as you have spent most of your travel period in Canada. The side-trips outside Canada will be covered if you arrive in Canada first.
Some Conditions apply during your coverage, but medical expenses incurred during your stay in the home country will not be covered.
- Medical Follow-up visits
If you need to visit your physician after emergency medical care, you are eligible for five follow-up visits, which must be within 14 days of your original emergency medical care. Also, depending on the Company & Insurance Plan you chose.
- 24-hour accident care coverage
You are entitled to $25,000 coverage in case of loss of life or dismemberment due to an accident.
- Professional medical care
You can enjoy any one of the following per licensed practitioner-
- Podiatrists
- Chiropodists
- Acupuncturists
- Physiotherapists
- Chiropractors
- Optometrists
- Osteopaths
- Maternity benefit
Up to $6,000 is covered for prenatal care and delivery expenses. This insurance covers any complications arising out of the delivery, too.
- Last-minute Trip Cancellations
Have you cancelled your trip at the last minute due to unavoidable reasons? Don’t worry! Submit the proof of cancellation and get your full premium refund. This depends on whether you paid for Trip Cancellation Insurance.
Why Most Travel Insurance for Visitors to Canada Fails at the Worst Time—And How to Get It Right
While most websites offer a generic overview of coverage limits or compare rates, they miss a critical point: when a claim needs to be made, what really happens? At Canadian L.I.C., we’ve seen hundreds of client cases unfold—not on paper, but in real-life emergencies. We’re not just offering plans. We’re managing outcomes. And here’s what that has taught us.
1. What Visitors Often Don’t Realize Until It’s Too Late
One of the most common assumptions among visitors to Canada is that any Travel Insurance plan that “meets the minimum requirements” is good enough. In reality, many of those plans—especially low-cost options from international providers—offer slim support when you need help most.
Take this story, for example: A couple in their 60s visiting from India bought the cheapest policy available online for their Super Visa. When the husband experienced chest pain and had to be rushed to the emergency room, they learned the policy didn’t cover ambulance transport or cardiac diagnostics because of “pre-existing condition exclusions.” Their claim was rejected, leaving them with over $14,000 in bills.
Had they worked with an advisor instead of a search engine, this could’ve been prevented.
2. Behind-the-Scenes Gaps Most Insurance Agents Don’t Tell You About
❌ “You’re covered from day one.”
Many plans include waiting periods, especially for pre-existing conditions or if insurance is purchased after arrival. If you fall ill within that window, you could be denied coverage, even if you paid your premium in full.
❌ “You’ll get reimbursed easily.”
Reimbursement is a claims-based process. You must submit documentation, sometimes get translations, and wait for verification, often for weeks. Some international insurers don’t even have a local Canadian office, complicating the process further.
❌ “All Travel Insurance for visitors to Canada works the same.”
There are over 50+ visitor plans offered by different providers in Canada alone. Each one varies in terms of:
- Diagnostic coverage
- Specialist referrals
- Repatriation benefits
- Medical follow-up support
- Pre-existing condition definitions
That’s why it’s not enough to buy Travel Insurance online. You need an expert who knows which plan suits your medical history, travel purpose, and visa type.
3. Original Research Insight: The 3 Most Rejected Visitor Claims
We analyzed 372 visitor claim support cases handled by our advisors at Canadian L.I.C. between January 2023 and March 2024. Here’s what we uncovered:
| Reason for Rejection | % of Cases | Main Cause |
|---|---|---|
| Pre-existing condition exclusions | 43% | Unstable condition not disclosed or misunderstood |
| Claims during waiting periods | 27% | Insurance bought post-arrival in Canada |
| Misuse of side-trip or multi-country rules | 16% | Travel outside Canada during advisory periods |
4. Proven Ways to Avoid Claim Denials as a Visitor to Canada
✅ Work with Licensed Canadian Brokers
A broker licensed in Canada understands the provincial health billing structure, insurance laws, and claim procedures. At Canadian L.I.C., we assess your:
- Duration of stay
- Type of visa (TRV, Super Visa, Study/Work Permit)
- Pre-existing medical conditions
- Side-trip plans
This helps you get a tailored plan, not a one-size-fits-all policy.
✅ Get Stability Confirmations in Writing
If you have a condition like diabetes, hypertension, or asthma, ask your doctor to confirm that it’s “stable.” Many insurance companies define “stability” as no change in medication, symptoms, or dosage for 90 to 180 days.
A documented statement increases your chance of successful claims.
✅ Always Buy Travel Insurance Before Landing in Canada
Many plans enforce waiting periods of 48 hours to 7 days if purchased after arrival. By buying insurance in advance, you start your coverage immediately upon arrival and avoid gaps.
5. The Hidden Power of Choosing the Right Plan with Medical Follow-Ups
Most people think Travel Insurance ends after hospital discharge. But with our curated plans, follow-up care is covered:
- 5 post-hospital visits within 14 days
- Diagnostic lab tests to monitor recovery
- Prescription refills
This is especially valuable for seniors and Super Visa applicants with ongoing health conditions.
6. The Advantage of Working with a Broker vs. Buying Directly Online
| Feature | Online Purchase | Licensed Broker (Canadian L.I.C.) |
|---|---|---|
| Personalized Health Assessment | ❌ | ✅ |
| Real-Time Claim Support | ❌ | ✅ Direct in-Canada assistance |
| Pre-Existing Condition Clarity | ❌ | ✅ Reviewed with stability definitions |
| Side-trip Evaluation | ❌ | ✅ Reviewed based on your travel plans |
| Emergency Access | Limited | 24/7 dedicated team through licensed plans |
| Post-Sale Policy Adjustment | Often Unavailable | ✅ Can modify policy if needed |
7. Why the “Cheapest” Travel Insurance for Visitors to Canada Can Be the Most Expensive Mistake
We’re often approached by families who went for a $40/week plan and later regretted it. What they didn’t realize:
- Deductibles were $1,000+
- Ambulance wasn’t covered
- Claims support was routed outside Canada
- No support for side-trips or maternity
One client had a routine pregnancy check-up, only to realize later that their policy covered none of the costs, despite being told otherwise.
You don’t just need any Travel Insurance for visitors to Canada—you need the right one.
8. How Canadian L.I.C. Builds Trust and Transparency Into Every Policy
Our advisors don’t just hand you a brochure. We:
- Explain the exclusions in simple language
- Help gather medical stability documents
- Assist with pre-approval for chronic care follow-ups
- Stay connected post-sale for any issues or renewals
We’ve supported thousands of families from India, the Philippines, the UK, and the U.S.—helping them not only buy a plan but survive a crisis.
Choose Travel Insurance That Works When You Need It Most
You didn’t plan a trip to Canada to get stuck with bills, denied claims, or policy confusion. You’re visiting family, exploring opportunity, or studying for a better future. Let’s not let insurance derail that dream.
Choose Travel Insurance for visitors to Canada from advisors who’ve seen it all—and still care enough to pick up the phone when you need them most.
Connect with Canadian L.I.C. Inc.
Don’t miss getting yourself insured before you plan your trip to Canada. At Canadian L.I.C., our expert insurance advisors can assist you with the right visitor insurance policy to avoid the strain in choosing the best insurance policy for your tour to Canada. Our insurance policies are easy to purchase at affordable prices.
For more details, call us at +1 416 543 9000 today.
Get The Best Insurance Quote From Canadian L.I.C
Call 1 844-542-4678 to speak to our advisors.
FAQs
Many claims are denied due to pre-existing medical conditions that were not declared or didn’t meet the insurer’s “stability” requirement. Other common reasons include purchasing insurance after arriving in Canada, which triggers a waiting period, or misunderstandings about coverage during side-trips outside Canada.
In the context of Travel Insurance for visitors to Canada, “stability” usually means that your medical condition has not changed in symptoms, treatment, or medication dosage for a specific period—typically 90 to 180 days before your policy starts. Always ask your doctor for a written confirmation to support this if needed during a claim.
Buying through a licensed broker offers personalized assessment, claim support, and policy clarification—especially if you’re unsure about pre-existing conditions or Super Visa eligibility. Online policies may be cheaper but often lack tailored support and can lead to claim denials due to misunderstood terms.
Some Travel Insurance for visitors to Canada allows side-trips, but you must first arrive in Canada and stay the majority of your time here. However, if there’s a travel advisory against your destination, coverage may not apply. It’s best to confirm this with your broker before booking other trips.
Low-cost plans often have high deductibles, limited coverage, and weak claims support. They may exclude ambulance services, maternity care, or COVID-related emergencies. The cheapest option could end up being the most expensive mistake if it fails when you need it the most.
The above information is only meant to be informative. It comes from Canadian LIC’s own opinions, which can change at any time. This material is not meant to be financial or legal advice, and it should not be interpreted as such. If someone decides to act on the information on this page, Canadian LIC is not responsible for what happens. Every attempt is made to provide accurate and up-to-date information on Canadian LIC. Some of the terms, conditions, limitations, exclusions, termination, and other parts of the policies mentioned above may not be included, which may be important to the policy choice. For full details, please refer to the actual policy documents. If there is any disagreement, the language in the actual policy documents will be used. All rights reserved.
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