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14 insurers · Updated October 2026

Compare Visitors to Canada & Super Visa insurance companies

See each insurer's rules side by side, filter by your visitor's age and needs, then get live prices or buy online.

By Pankaj Bhatia, CHS, PFA Updated 11 years as a licensed advisor
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The short answer

The right Visitors to Canada or Super Visa insurer depends on the visitor more than the company. Start with age: some insurers stop at 80 or 85, others have no maximum. Then health: stability periods for pre-existing conditions run from 90 to 365 days, and several insurers stop pre-existing cover after 80 or 85. Check the waiting period if the visitor has already arrived (48 hours to 8 days), side trips if they'll visit the US, and monthly payments if you'd rather not pay a year upfront. Once a few insurers fit, compare live prices: the same visitor can see very different premiums.

14 insurers compared, filtered for your visitor

Set the visitor's age and what you need. Insurers that don't fit are faded; "Check" means the detail varies or isn't published in our summary.

Insurer & plansAgesStable pre-existing conditionsSickness wait if bought after arrivalSide tripsMonthly payments
21st CenturyBasic · Standard · EnhancedTo 85Enhanced only: 180 days; medical declaration at 60–8572 hrs if bought within 30 days of arrival; 7 days laterCheckYes: 365 days and $100K+, 2 premiums + $50 fee
Secure Travel (RIMI)Standard · Enhanced, Plan 1 or 215 days to 89Plan 2: 90 days to 69; 180 days 70–84; none 85+48 hrs within 30 days of arrival; 8 days laterYes, up to 30 days per trip; 51% of the period in CanadaYes, $120 setup fee
2 Visit CanadaStandard · Enhanced15 days to 8990 days to 69; 180 days 70–8448 hrs within 30 days of arrival; 8 days laterCheckYes, $120 setup fee
TravCareBase · Extended · Comprehensive15 days to 89 (Comprehensive under 70)Plan 2: 90 days to 74; 180 days 75–8448 hrs within 30 days of leaving home; 8 days laterCheckCheck
MSH Discover CanadaOne plan, $50K–$1M15 days to 8990 days to 70; 180 days 71–80; none 81+48 hrs to age 70; 5 days at 71+CheckYes: first and last month + $90
Destination: CanadaOption 1 · Option 215 days+, no maximum90 days to 59; 120 days 60–69; 180 days 70–79; none 80+48 hrs if bought within 30 days of leaving home; 7 days laterYes, if 51%+ of the period is in CanadaYes: 180+ days and $50K+
TravelanceEssential · Premier15 days to 85Premier: 180 days to 79 (heart, brain, lung excluded 70–79); Essential: noneSee planCheckYes, for stays of 90+ days
GMSVisitors to CanadaUnder 80180 days2 days within 30 days of arrival; 7 days laterYes, up to 30 days per trip, max 50% of the periodCheck
ManulifeBasic · Standard · EnhancedBasic: any age; Standard and Enhanced: to 85Enhanced: stable 180 days; questionnaire at 55–85. Standard: only conditions that didn't exist in the 180 days72 hrs within 30 days of arrival; 7 days laterYes, up to 30 days or 49% of the periodCheck
TuGoBasic · ComprehensiveNo age limit (Basic to 79)Age-based, from 90–120 days for younger visitors up to 365 days; optional 7-day unstable cover to 7948 hrs within 60 days of arrival; 7 days laterYes, if most of the period is in CanadaCheck
Allianz Global AssistanceVisitors · Super Visa Essentials15 days to 8990 or 180 days, by age48 hrsYes, if most of the period is in Canada (not the home country)Check
JF Visitor to CanadaSeveral options15 days+, no maximum in wording120 days, with the paid stable option48 hrs within 30 days of arrival; 7 days later; 15 days at 86+Yes, if 51%+ of the trip is in CanadaSuper Visa: 2 months + $80, then 10
TruStone HealthVisitor · Super Visa15 days to 89If stable under the policy rules and disclosed5 daysNo: Canada onlyYes, $50 setup
AwayCare TrueNorthVisitors to Canada15 days to 88180 days to 74; 365 days 75+; 90-day buy-down to 7448 hrsYes, up to 30 days per tripCheck

Summarized from each insurer's policy wording or plan summary and our insurer guides, reviewed October 2026. The policy wording governs; rules change, so confirm before you buy.

What the differences mean in real life

Four visitors, four different shortlists.

Healthy, 62, visiting 3 months

Almost every insurer fits. A plan without pre-existing cover is cheapest; compare price and the deductible.

72, blood-pressure medicine unchanged for 8 months

Needs a plan covering stable conditions with a 180-day period at 72, such as Destination: Canada, Secure Travel Plan 2, 2 Visit Canada or Manulife Enhanced.

84, on several medicines, Super Visa

The list narrows sharply: Destination, MSH and Travelance don't cover pre-existing conditions at 84, while TuGo and AwayCare still offer it with their longest stability periods (365 days for AwayCare at 75+).

Already arrived 6 weeks ago

Expect a sickness waiting period of 5 to 8 days with most insurers. TuGo keeps it at 48 hours if bought within 60 days of arrival.

Buy online or review each insurer

Buy online opens the insurer's own secure site; Plan details opens our full review with eligibility, claims and refunds. For 21st Century, TravCare and AwayCare, call or WhatsApp Pankaj.

Policies are issued by each insurer. Availability depends on age, health and plan.

Comparing visitor insurance companies: FAQ

Which company offers the best Super Visa insurance?

There is no single best company. The best one is the plan that accepts the visitor at their age, covers their stable conditions, and costs least for $100,000 of coverage for 365 days.

For a healthy 60-year-old, the lowest price often wins. For an 80-year-old with heart medicine, only a few insurers will cover that condition at all. Compare live quotes to see which ones accept your visitor.

Which companies cover stable pre-existing conditions?

Most of the 14 insurers on this page offer a plan or option for stable pre-existing conditions, with stability periods from 90 to 365 days depending on age.

At older ages the choice narrows: Destination: Canada stops pre-existing cover at 80, MSH at 81 and Secure Travel at 85, while TuGo and AwayCare continue it at older ages with longer stability periods, up to 365 days.

Which companies offer monthly payments?

Among the insurers on this page, Secure Travel (RIMI), 2 Visit Canada, 21st Century, Destination: Canada, JF, MSH Discover Canada, Travelance and TruStone Health publish monthly payment options, usually with a setup fee or deposit.

For a Super Visa, IRCC accepts a policy paid in instalments with a deposit.

Can I buy Visitors to Canada insurance online?

Yes, for 11 of the 14 insurers: the Buy online buttons on this page open each insurer's own secure site. For 21st Century, TravCare and AwayCare, contact Pankaj to buy.

The price is the same whether you buy online here, through Pankaj or directly from the insurer.

Why do insurers charge such different prices for the same visitor?

Each insurer prices age bands, coverage, deductibles and pre-existing cover differently, and some don't accept certain ages or conditions at all.

That's why comparing several companies at once usually finds a better price or better cover than asking one insurer.

How do I submit a claim?

Call the insurer's assistance number on the policy before treatment, then send the claim form and itemized receipts to the claims administrator named in the policy.

Each insurer guide on this site lists its claims steps and time limits. Pankaj also helps his clients with claims.

Can I change insurers when renewing?

Yes. A new policy with another insurer is a new application, so new medical questions, stability periods and waiting periods may apply.

If the visitor's health has changed, staying with the current insurer through an extension can sometimes be safer. Ask Pankaj before switching.

Pankaj Bhatia, CHS, PFA, licensed visitor insurance advisor

Compiled by Pankaj Bhatia, CHS, PFA

Licensed insurance & financial advisor · Insure In Canada Inc. · Mississauga & Cambridge, Ontario

Pankaj has compared Visitors to Canada and Super Visa insurers for families for 11 years. The table on this page comes from his review of each insurer's policy wording and plan summaries; each insurer's guide on this site has the full details and sources.

Call 647-640-2222 · WhatsApp · About Pankaj · Google reviews

Not sure which insurer will accept your visitor?

Send Pankaj the visitor's age, medicines and arrival date on WhatsApp. He'll tell you which insurers fit before you apply.

Compare prices WhatsApp 647-640-2222

Sources and related pages

General information. Insurer rules are summarized from published documents reviewed in October 2026 and can change; the policy wording governs coverage, limitations and exclusions. The filter is a planning aid, not underwriting: medical questions on the application decide eligibility.