How the main options differ on price, underwriting speed and features — for an example profile (62-year-old visitor, $100,000 coverage, $0 deductible, no pre-existing coverage, 12 months). Personalise it.
Breakdown
| Feature | $100,000 IRCC minimum | $100,000 coverage | $300,000 + stable pre-existing |
|---|---|---|---|
| Estimated price | $148/mo | $148/mo | $264/mo |
| Underwriting | Age-based, no medical exam | Medical questionnaire for pre-existing option | Medical questionnaire |
| Core benefit | Meets the IRCC minimum (confirm current rules) | Higher protection for serious emergencies | Highest common limit |
| Key feature | Emergency hospital, medical & repatriation | Refund if visa refused (policy conditions) | Stable pre-existing conditions covered |
| Watch out for | Monthly payments available from many insurers | Pre-existing options for stable conditions | Best for visitors 70+ |
| Ready? | Start | Start | Start |
Estimates are indicative ranges based on typical Canadian pricing for the example profile shown. They are not an offer of insurance. A licensed advisor confirms actual insurer quotes.
check_circle
Not sure which option fits? An advisor licensed in your province will compare real insurer prices across all three approaches — free, with no obligation.
Comparisons use Instasure’s pricing model and published product features. Insurers can’t pay to change rankings. Read our editorial guidelines and how we make money.
We use first-party analytics cookies to understand which guides help Canadians most. No ads, no selling data. Privacy
