Visitors to Canada Insurance

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Health insurance for Visitors to Canada

Travelling to Canada? Enjoy peace of mind and protection during your stay with GMS Visitors to Canada Insurance. With around-the-clock travel assistance and your choice of deductible and coverage amounts, we make it easy to build the plan that’s best for you.

Whether you're visiting family, exploring Canada's beautiful landscapes, or coming for business, GMS offers flexible insurance options to help you stay protected against unexpected medical costs. Our Visitors to Canada Insurance is designed to provide the security you need so you can focus on enjoying your time here.

The GMS Difference

Comprehensive coverage. Travel with confidence knowing you have the protection you need to enjoy your Canadian adventure.
Convenient claims. Skip the post office and submit your claim by email.
Around-the-clock support. The GMS Travel Assistance team is here when you need us.

Why buy?

We want you to make the most of your time in Canada. That’s why our visitor insurance plans offer:

24/7 multi-language support: Emergencies don’t always happen during business hours. Connect with a GMS Travel Assistance team member anytime, day or night.
No waiting period: We'll waive the waiting period for making a claim if you apply before arriving in Canada or if you’re replacing an existing emergency medical plan from another Canadian insurance company.
No medical questions: Visitors under 55 can get a GMS Visitors to Canada Insurance plan without any medical questions.
Super Visa coverage: Applying for a Super Visa? Our $100,000 and $150,000 policies give you the coverage needed to qualify.

Side-trip travel coverage: Planning a holiday on your holiday? Take your GMS Visitors to Canada Insurance to go. Your plan will cover trips of up to 30 days in countries without a Government of Canada travel advisory.
Choose your deductible and coverage amounts: With deductibles as low as $0 and insurance up to $150,000, the choice is yours.
Automatic coverage extension: Have a layover or experiencing a delay to or from your destination? We'll automatically extend your coverage for up to 48 hours.
Virtual care available: For some emergencies, skip the waiting room and talk to a medical professional on the phone or online instead. Call our Travel Assistance line and we’ll help find the best option for you.

What's included?

Your Visitors to Canada plan includes coverage for a range of eligible emergency medical expenses, up to the amount of insurance you choose. Here's a breakdown of what's covered:

Benefit	Details
Hospitalization	Hospital room and board charges (up to semi-private) unless otherwise instructed by a physician.
Medical Services	Cost of treatment by a physician or surgeon.
Diagnostic Services	Cost of x-rays and other diagnostic tests.
Out-patient Medical Treatment	Outpatient emergency room charges.
Prescription Drugs	Cost of prescription drugs and medication prescribed by a physician, to a maximum of a 30-day prescription.
Road Ambulance	Cost for emergency transport to a hospital.
Health Practitioners	Up to a $500 combined maximum for the emergency services of an osteopath, physiotherapist, chiropractor, chiropodist, optometrist, and/or podiatrist.
Accidental Dental	Up to $2,000 per person for an accidental blow to the mouth, and up to $300 for dental pain relief.
Return of Remains	Cost for remains preparation and transportation to your country of origin, destination in Canada, or the cost of cremation or burial at the place of death.
Childcare	Up to $500 for licensed childcare for a dependant travelling with you if you are hospitalized.
Repatriation without a Medical Attendant	Up to $5,000 to transport you home for further medical treatment (with pre-approval from GMS).
Repatriation with a Medical Attendant	Economy airfare transportation for one (1) accompanying family member insured under your policy, the cost of a medical escort, additional airfare to accommodate a stretcher, or air ambulance if deemed medically necessary (with pre-approval from GMS).
Out-of-Pocket Expenses	Cost of accommodation, meals, necessary phone calls, and taxi or bus fares for an accompanying family member if hospitalization continues after the policy expiry date. Covers up to $150 per day to a maximum of $1,000.
24-Hour Travel Assistance Services	Coordination of all medical care, transportation, and repatriation; telephone interpretation services in most languages; and monitoring of progress during treatment and recovery by managed care.
Travel Benefits Outside of Canada	Benefits apply to eligible side-trips outside of Canada, up to 30 days each and excluding visits to your country of origin: Air Ambulance – Charges to transport you back to your destination in Canada or your country of origin. Special Attendant – Reimbursement for a one-way economy airfare ticket for a medical attendant to accompany you back to your destination in Canada or to your country of origin for further in-hospital treatment. Escort of Insured Children – Reimbursement for a one-way economy air transportation (with GMS pre-approval) to return an accompanying child or children and escort back to your original point of departure.

If you have received medical treatment or experienced symptoms before buying a Visitors to Canada plan, certain exclusions may apply.
Coverage is per person. This is a summary of benefits only.

Looking for a resource?

Check out the GMS Resource Hub for a sample policy, forms, and other helpful information about Canada visitors insurance.

Explore the Resource Hub

Frequently Asked Questions (FAQs)

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Is there an age limit for Visitors to Canada emergency medical insurance coverage?

Yes. Anyone covered under a GMS Visitors to Canada Insurance plan must be under the age of 80 as of the policy effective date.

I’m a Canadian citizen moving back to Canada, but I don’t have government health coverage yet. Can I buy a Visitors to Canada Insurance plan?

You sure can. Buying health insurance for visitors to Canada will cover emergency medical expenses between your arrival and when your provincial health coverage kicks in.

I’m already in Canada. Can I still buy a Visitors to Canada Insurance plan?

Absolutely, but there may be a waiting period if you don’t already have a plan (with GMS or someone else) when you apply:

If you’re within 30 days of arriving in Canada and don’t have insurance, your coverage for medical conditions, other than injury, won’t kick in until 2 days after your effective date.
If you’ve been in Canada for more than 30 days and don’t have insurance, your coverage for medical conditions, other than injury, won’t kick in until 7 days after your effective date.

Coverage for injuries that need emergency care starts on your plan effective date.

Can I extend my plan if I decide to stay in Canada longer?

We’re happy to extend your coverage if you tick these boxes:

You or any person insured under this policy have not needed medical treatment (whether a claim was submitted or not) during your period of coverage.
Your plan has been in effect for less than one year (365 days).
You haven’t turned 80 years of age or older as of the start date for the policy extension
You don't have a reason to seek medical treatment, excluding the regular care of a chronic condition or medical evaluation required to satisfy travel visa requirements

Does Visitors to Canada Insurance cover pregnancy-related care?

Our plans don’t cover expenses related to pregnancy, abortion, miscarriage, childbirth, or complications of any of these conditions.

Does Visitors to Canada Insurance cover regular/annual checkups?

No. Visitors to Canada Insurance is only meant for emergency medical treatments.

Don’t see your question here? Check out our full list of Visitor to Canada insurance FAQs or contact us and we’ll get you an answer.

GMS Travel Assistance and claims management provided in partnership with World Travel Protection.

Emergency medical insurance from $1.64 per day.

We make buying emergency medical insurance easy – honestly. A GMS Visitors to Canada Insurance plan can be yours in less than five minutes.

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