Travel medical cover, without the fine-print anxiety.

Whether family is visiting you or you are heading abroad, travel medical insurance is about one thing: an emergency should not become a financial disaster. Here is how the coverage works, in plain words.

See how pricing works Decode the jargon

Who this is for

Three situations, one idea

Visitors to Canada

Family visiting for weeks or months. Provincial plans do not cover them — a visitor policy pays for emergencies, from a broken wrist to a hospital stay.

International students

Some provinces cover students, some do not, and schools often arrange group plans. The first question: what does your school already give you?

Snowbirds & travellers

Leaving Canada? Your provincial plan covers very little abroad. Travel medical cover picks up emergency costs outside the country.

Usually covered

Emergency hospital stays and surgery

Emergency doctor visits and diagnostics

Prescription drugs for the emergency

Ambulance to the nearest hospital

Repatriation home if medically needed

Usually excluded

×Routine checkups and cleanings

×Conditions that were not stable before the trip

×Elective or planned treatment

×Pregnancy close to the due date (varies)

×High-risk activities named in the policy

General patterns across visitor policies — every policy wording is different. Always read yours.

Education only. HealthRate is education only. We do not sell, quote or arrange insurance — on this page or anywhere on this site.

Common questions

Travel cover FAQ

Visitor policies pay for sudden, unexpected illness or injury — not routine checkups, dental cleanings or conditions being treated on a planned schedule. If it could wait until home, it is usually not covered.