Independent insurer guide · New for 2026
JF Visitor to Canada insurance: benefits, Super Visa and monthly payments
Emergency medical cover for visitors, Super Visa parents, workers and new immigrants, with a monthly option for Super Visa. Buy online or compare quotes below.
JF Visitor to Canada insurance (JF-VTC) pays for emergency care when a sudden sickness or injury happens in Canada. Here's what it covers, who can buy it, how the 120-day stable pre-existing option works, waiting periods, deductibles, monthly payments, refunds and how to claim, with tools to check eligibility and estimate payments.
The short answer
JF Visitor to Canada insurance is an emergency medical plan underwritten by Old Republic Insurance Company of Canada, administered by JF Insurance Agency Group Inc., with 24/7 assistance and claims by Ontime Care. It covers visitors, Super Visa holders, workers, immigrants and uninsured Canadian residents from 15 days old, for up to 365 days, up to the sum insured you choose. Stable pre-existing conditions are covered only if you buy the stable-condition option and the condition was stable for 120 days. The $100,000 option adds $50,000 extra for injuries, and Super Visa policies ($100,000+, 365 days) can be paid monthly: two months plus an $80 fee upfront, then ten payments. Pregnancy is not covered.
Who can buy JF Visitor to Canada insurance
One plan with options: you choose the sum insured, the deductible, whether to add stable pre-existing condition cover, and how to pay.
Who can apply
- Visitors to Canada and Super Visa holders
- People with a Canadian work visa
- Immigrants to Canada and Canadian residents without provincial or territorial health coverage
- At least 15 days old on the purchase date (no maximum age in the wording)
- Families: spouse and children, with both adults 60 or under
Who can't apply
- Travelling against a doctor's advice, or a terminal illness
- Kidney disease needing dialysis, or congestive heart failure
- Home oxygen in the last 12 months
- Pancreatic or liver cancer, or any cancer that has spread
- Had or waiting for a major organ, bone-marrow or stem-cell transplant
- New or undiagnosed symptoms, or a known reason to see a doctor
JF Visitor to Canada benefits and limits
Benefits are paid for medically necessary emergency care, up to the sum insured, less any deductible. Some benefits have their own limits.
| Benefit | Maximum | Important condition |
|---|---|---|
| Hospital accommodation | Up to the sum insured | Ward, coronary-care or intensive-care unit when medically necessary |
| Physician, surgeon, anaesthetist and nursing | Up to the sum insured | Emergency treatment; private-duty nursing must be approved |
| Diagnostic services | Up to the sum insured | Lab tests and X-rays; MRI, CAT scan, ultrasound, biopsy and cardiac catheterization need advance approval |
| Ground ambulance | Up to the sum insured | Licensed ambulance when medically necessary, or taxi fare instead |
| Prescription drugs | Up to the sum insured | Emergency prescriptions, generally up to a 30-day supply each |
| Medical appliances | Up to the sum insured | Rental of casts, crutches, braces, splints, canes, slings or a wheelchair, with approval |
| Paramedical services | $500 per practitioner | When prescribed and approved |
| Acupuncture | $500 | Under a 365-day policy, for an emergency medical condition |
| Dental: accidental injury | $3,000 | Accidental blow to the face |
| Dental: emergency pain relief | $500 | Relief of acute dental pain |
| Accidental death & dismemberment | Sum insured, max $25,000 | Per person |
| Repatriation | Approved cost | Return to the country of origin, including stretcher or medical attendant |
| Return of remains | $10,000 | Or local cremation or burial up to $4,000 |
| Extra injury coverage | +$50,000 | Only with the $100,000 sum insured; sickness stays capped at $100,000 |
Pre-existing conditions, waiting periods and deductibles
These three rules decide most claims, so check them before you buy.
| Age | Sickness waiting period if bought after arrival | Deductible |
|---|---|---|
| 85 and under | 48 hours if bought within 30 days of arrival; 7 days if bought later | $0, or $100 / $1,000 / $3,000 if chosen; optional disappearing deductible |
| 86 and over | 15 days | $500 |
120 days of stability
Pre-existing conditions are covered only if you pay for the stable-condition option when you buy. In the 120 days before the effective date there must be no new, more frequent or more severe symptoms, no undiagnosed symptoms, no hospitalization or specialist referral, and no new treatment, medication or dosage change. A doctor-approved reduction in medication because health improved doesn't count as a change.
How it works
With this option, a $2,500 deductible applies only to sickness claims of $2,500 or less, so small sickness claims are not paid. If a sickness claim is over $2,500, the deductible disappears and expenses are paid from the first dollar. Injury claims are not affected. Try it in the claim calculator.
JF Visitor to Canada calculators
Check eligibility and the waiting period, see what a claim would pay, work out monthly payments and estimate a refund.
About the traveller
Results update as you change anything.
A covered emergency
See how the deductible and limits apply to one claim.
Your monthly quote
Monthly payments are for 365-day policies with $100,000 or more (Super Visa).
Your policy (paid in full)
Enter what you paid and what happened.
Tools use the JF-VTC policy wording rules as reviewed October 2026. They are estimates, not a quote, an offer of insurance or a claim or refund decision; the policy wording and the insurer decide.
Claims, emergency assistance and refunds
In an emergency
- Canada and U.S.: 1-866-209-5804
- Collect from anywhere: +1-905-707-9555
- Call before treatment, or as soon as medically possible
- Surgery, invasive procedures and some tests need advance approval
- Written notice within 30 days; proof of claim within 90 days
- Submit online at eclaim.jfgroup.ca, with itemized bills, proof of payment and prescription receipts
Important: if Ontime Care is not notified, reimbursement is limited to 70% of eligible expenses, up to $150,000. Benefits are paid within 60 days of complete proof.
When you can get money back
- Before the effective date: full refund (monthly plans keep the $80 fee)
- Super Visa refused before the effective date: full refund with proof
- Early return home or provincial coverage: unused premium less a $40 fee, if no claims
- Monthly plans: first two months non-refundable once coverage starts; unused full months only
- No refund under $20; request in writing within 90 days after expiry
Try the refund estimator above.
How JF Visitor to Canada compares
Where it stands out: monthly payments for Super Visa policies, an extra $50,000 for injuries on the $100,000 option, no maximum age in the wording, a 48-hour waiting period even when bought up to 30 days after arrival, side trips outside Canada, acupuncture cover and a family rate.
Where to look closely: pre-existing conditions need the paid stable-condition option and 120 days of stability; pregnancy is excluded; ages 86+ have a $500 deductible and a 15-day waiting period; the disappearing deductible means small sickness claims aren't paid; and not calling Ontime Care cuts reimbursement to 70%.
Main exclusions: unstable or uncovered pre-existing conditions, sickness during the waiting period, planned or routine care, chronic-condition care, pregnancy and childbirth, care in the country of origin, substance misuse and self-inflicted injury, war and terrorism, and high-risk sports. The policy wording has the full list.
✓Before you buy JF Visitor to Canada
- Check the eligibility list (dialysis, heart failure, oxygen, cancer, transplant)
- Any condition or medication? Add the stable option; check 120 days
- For a Super Visa: $100,000+ for 365 days
- Paying monthly? Budget two months + $80 upfront
- Buying after arrival? Note the 48-hour, 7-day or 15-day wait
- Save Ontime Care's number and call before treatment
JF Visitor to Canada insurance: frequently asked questions
Short answers first, details below.
What is JF Visitor to Canada insurance (JF-VTC)?
JF Visitor to Canada insurance is an emergency medical plan for visitors, workers, Super Visa holders, immigrants and Canadian residents without provincial health coverage.
It pays for sudden and unforeseeable sickness or injury in Canada, up to the sum insured you choose, for up to 365 days per policy. It does not cover ongoing care or planned treatment.
Who underwrites JF Visitor to Canada insurance?
The plan is underwritten by Old Republic Insurance Company of Canada and administered by JF Insurance Agency Group Inc.
Emergency assistance and claims are handled by Ontime Care Worldwide Inc. You can reach JF at 1-877-832-5541 or info@jfgroup.ca.
Is JF Visitor to Canada insurance accepted for the Super Visa?
Yes. Super Visa holders are eligible; choose at least $100,000 of coverage for 365 days.
The $100,000 option also adds $50,000 of extra coverage for injuries. IRCC accepts payment in full or monthly with a deposit. See Super Visa insurance requirements.
Can I pay for JF Visitor to Canada insurance monthly?
Yes, for 365-day policies with at least $100,000 of coverage: two months' premium plus an $80 non-refundable administration fee at application, then ten monthly credit card payments.
The monthly payments start on the effective date. If a payment is missed, you have 30 days after the email notice to fix it before the plan is cancelled. Use the monthly payment calculator.
Is there an age limit?
Travellers must be at least 15 days old on the purchase date. The policy wording sets no maximum age.
Travellers aged 86 and over have a $500 deductible and a 15-day sickness waiting period if they buy after arriving. For family coverage, both adults must be 60 or under.
Does JF Visitor to Canada insurance cover pre-existing conditions?
Only if you buy the stable pre-existing condition option, and only for conditions stable for 120 days before the effective date.
Stable means no new, more frequent or more severe symptoms, no undiagnosed symptoms, no hospitalization or specialist referral, and no treatment, medication or dosage change. A doctor-approved reduction in medication because health improved is not a change. Check with the eligibility checker.
Is there a waiting period?
Only if you buy after arriving in Canada. Ages 85 and under: 48 hours if bought within 30 days of arrival, or 7 days after that. Ages 86 and over: 15 days.
Sickness that starts during the waiting period is not covered; injuries are. It may be waived for uninterrupted replacement coverage with written approval.
What deductibles are available?
Ages 85 and under have no deductible unless they choose $100, $1,000 or $3,000. Ages 86 and over have a $500 deductible.
A disappearing-deductible option applies a $2,500 deductible only to sickness claims of $2,500 or less; larger sickness claims are paid from the first dollar. Try the claim calculator.
Am I covered on trips outside Canada?
Yes, on temporary trips to countries other than your country of origin, as long as at least 51% of the covered trip is spent in Canada.
Coverage stops while you are in your country of origin and resumes when you return to Canada; the premium for that time is not refunded.
Does JF Visitor to Canada insurance cover pregnancy?
No. Pregnancy, miscarriage, childbirth and related complications are excluded.
Families expecting a baby should compare plans that include a maternity benefit in the live quote form.
Can I get a refund?
Yes: a full refund before the effective date, and a refund of unused premium if the traveller returns home early or gets provincial coverage, less a $40 fee, if there were no claims.
On monthly plans the $80 fee is non-refundable, the first two months become non-refundable once coverage starts, and only unused full months are refunded. Super Visa refusals before the effective date get a full refund with proof. Send requests in writing within 90 days after expiry. Use the refund estimator.
How do I make a claim?
Call Ontime Care before treatment, or as soon as medically possible: 1-866-209-5804 from Canada and the U.S., or collect at +1-905-707-9555.
If Ontime Care is not notified, reimbursement is limited to 70% of eligible expenses, up to $150,000. Give written notice within 30 days and proof within 90 days; claims can be submitted online at eclaim.jfgroup.ca. Benefits are paid within 60 days of complete proof.
Is there a family plan?
Yes. A family policy covers you, your spouse and your children, if both adults are 60 or under; the premium is two times that of the eldest adult.
All family members must have the same coverage dates, live at the same Canadian address and be named on the policy. Children are covered from 15 days old and under 21, or any age if dependent because of a permanent disability.
How do I buy JF Visitor to Canada insurance online?
Use the Buy JF Visitor to Canada online button on this page to go to JF's secure purchase page, or compare it with other insurers in the live quote form.
For help with medical questions, the stable-condition option or a Super Visa policy, call or WhatsApp Pankaj Bhatia at 647-640-2222.
About the author: Pankaj Bhatia, CHS, PFA
Licensed insurance & financial advisor · Insure In Canada Inc. · Mississauga & Cambridge, Ontario
Pankaj has more than 10 years of experience helping visitors, Super Visa families, workers, students and new immigrants compare emergency medical insurance. He is licensed for insurance in Ontario, Alberta, British Columbia, Manitoba, Saskatchewan, New Brunswick and Nova Scotia. This page is an independent guide, not published by JF Insurance Agency Group or Old Republic; plan access is through his licensed distribution arrangements.
More about Pankaj · Call 647-640-2222 · WhatsApp · Email · Google reviews
Buy JF Visitor to Canada online or compare it first
Go straight to JF's secure purchase page, compare JF with other insurers, or talk to Pankaj about a medical condition or a monthly Super Visa plan.
Sources and related pages
- JF Visitor to Canada Insurance (JF-VTC) policy wording, 2026 edition, with monthly plan (reviewed October 25, 2026)
- JF Insurance Agency Group Inc.: 1-877-832-5541 · info@jfgroup.ca
- IRCC: Super visa insurance requirements
Independent guide prepared by Pankaj Bhatia through Insure In Canada Inc.; not published by or on behalf of JF Insurance Agency Group Inc., Old Republic Insurance Company of Canada or Ontime Care Worldwide Inc. This is a summary; coverage is subject to the full policy wording, the sum insured, deductible, eligibility requirements, limitations, exclusions and approval requirements, and rates and terms can change. Product names and marks belong to their owners.