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Super Visa insurance in Toronto, sized for downtown hospital prices

Compare IRCC-ready plans for a parent staying anywhere in Toronto, buy online, and see what a Toronto hospital would bill a visitor before you settle on a coverage amount.

Toronto is a big city to be a visitor in without OHIP. Your parent could end up at any of a dozen emergency departments, from Scarborough General to Toronto Western, and the downtown teaching hospitals have some of the highest daily rates in Ontario. I'm Pankaj Bhatia. My Mississauga office is a few minutes from Pearson, and this page is the conversation I have with Toronto families before they pick a policy.

By Pankaj Bhatia, PFA, CHS Updated Licensed in Ontario and 6 more provinces
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What a week in a Toronto hospital can cost a visitor

Your parent can live with you for years on a Super Visa and still never qualify for OHIP, because Ontario's health plan is for residents with eligible status, not visitors. So when a visiting parent is admitted in Toronto, the hospital sends the bill to the family, and the private policy you bought for IRCC is what pays it.

The starting point for that bill is a number most people never see. Each year Ontario's Ministry of Health publishes the daily rate every hospital charges patients from other provinces. For 2026-27, University Health Network (Toronto General and Toronto Western) is listed at $2,303 a day on a ward and $6,566 a day in intensive care. Sunnybrook is $2,354, St. Michael's $2,296 and Mount Sinai $2,242. The hospitals further out are lower: Scarborough Health Network's ward rate is $1,485 and North York General's is $1,647.

Those rates are for Canadians from another province. A parent from overseas is a non-resident of Canada, and each hospital sets its own price for that group. Several Ontario hospitals publish non-resident fees at about three times the interprovincial rate. Queensway Carleton in Ottawa is one that puts it in writing: from April 1, 2026 it charges non-residents $4,005 a day on a ward and $1,242 for an emergency visit.

One cardiac stay, two hospitals

Say your father gets chest pain at home near Kensington Market. He's taken to Toronto Western, spends two days in intensive care and five on a ward. At three times UHN's rates that is about $39,400 for intensive care, $34,500 for the ward and $1,242 for the emergency visit: roughly $75,200.

The same stay in Scarborough

Run the same days through Scarborough Health Network's rates and it comes to about $61,000. Lower, but not by enough to make $100,000 feel generous once surgery, a cardiologist and an anesthetist send their own invoices.

Why I size a Toronto policy on the downtown hospitals

In an emergency nobody gets to choose. Paramedics take your parent to the nearest suitable department, and some cases are moved to a specialist centre on the other side of the city.

That's why I don't look at the hospital closest to your house and work from its rate. In a city with this many hospital networks, I'd rather you price the policy as if the stay happens at UHN, Sunnybrook or St. Michael's. Here is how the conversation usually goes.

  • $100,000 meets IRCC's insurance rule. It's where many families start, especially with a healthy parent and a tight budget.
  • $150,000 and $200,000 are the two amounts I'd price next. The step up is usually a small part of the premium compared with the gap it closes, and the quote form shows you the exact difference.
  • The deductible matters as much as the limit. Most apply to each claim, so a parent with two separate emergencies in one year pays it twice.
  • For a parent with diabetes, blood pressure or a heart history, the stability clause decides more than the price does. My guide to pre-existing conditions explains how insurers read it.

Premiums don't change with your postal code, so a Toronto family pays what a family anywhere else in Ontario pays for the same parent. Age, the medical answers, the coverage amount and the deductible are what move the price. If paying the year up front is hard, IRCC also accepts monthly plans with a deposit.

Try your own numbers for a Toronto hospital

Choose one of nine Toronto hospital groups and enter the days. The tool takes three times each hospital's 2026-27 interprovincial rate, the pattern several Ontario hospitals use for non-residents, and three times the $414 standard emergency rate per visit. Doctors' fees, scans and the ambulance are not in it.

What happened?

Try a cardiac case: one emergency visit, two intensive care days and five ward days.

Twelve emergency departments, and the call to make before going to one

On your parent's first day, save the nearest one in their phone along with the insurer's 24/7 assistance number. Health811 (dial 811) gives health advice at any hour, which is often the right first call in the middle of the night.

AreaHospitalAddress
DowntownToronto General Hospital (UHN)200 Elizabeth Street, M5G 2C4
DowntownToronto Western Hospital (UHN)399 Bathurst Street, M5T 2S8
DowntownSt. Michael's Hospital30 Bond Street, M5B 1W8
DowntownMount Sinai Hospital600 University Avenue, M5G 1X5
North YorkSunnybrook Health Sciences Centre2075 Bayview Avenue, M4N 3M5
North YorkNorth York General Hospital4001 Leslie Street, M2K 1E1
North YorkHennick Humber Hospital (Humber River Health)1235 Wilson Avenue, M3M 0B2
East YorkMichael Garron Hospital825 Coxwell Avenue
ScarboroughScarborough General Hospital3050 Lawrence Avenue East
ScarboroughCentenary Hospital2867 Ellesmere Road
West endSt. Joseph's Health Centre (Unity Health)30 The Queensway, M6R 1B5
EtobicokeEtobicoke General Hospital101 Humber College Boulevard
 Toronto emergency departments by area. Give this address to the taxi driver or the insurer's assistance line.

The mistake I see most often in Toronto is heading straight to emergency for something that could have waited, without telling the insurer. If it isn't life-threatening, call the assistance line before you leave the house. They can point you to a walk-in clinic, and for an admission they can often deal with the hospital's billing office themselves. If it is life-threatening, call 911 first and phone the insurer once your parent is being looked after.

The ambulance sends its own bill. UHN lists $240 for a patient who is a non-resident of Canada, a fee set by Ontario's Ministry of Health. Ask the hospital for an itemized statement too, not just the card receipt, because the claim is paid from the itemized version. The claim process page lists the rest of what insurers ask for.

Landing at Pearson: the date on the policy

Toronto Pearson handled 47.3 million passengers in 2025, more than any other airport in Canada. For most Toronto families it is where the policy year starts.

  1. When you buySet the start date to the day your parent lands in Canada. A flight that leaves Delhi on the 14th and reaches Pearson at 12:40 a.m. on the 15th means the 15th. Start on the 14th and the policy ends a day short of a year from entry, which is what IRCC measures.
  2. At the borderThe officer at Pearson can ask to see the insurance. Keep the policy and the confirmation of payment in hand luggage, not in a checked suitcase that might be on the next flight.
  3. The first weekPut the insurer's assistance number in your parent's phone, and note the policy number somewhere both of you can find it. If anything changes with their health in the first weeks, call before booking a specialist.

Getting around Toronto with a parent who doesn't drive

Many visiting parents end up on the TTC. Riders 65 and older qualify for the senior fare, but the TTC asks seniors to carry accepted photo ID as proof of age: a driver's licence, an Ontario Photo Card, or the old TTC Senior's Photo ID it no longer issues. A senior fare type can be added to a PRESTO card in person at Shoppers Drug Mart. Check what ID your parent actually has before you count on the discount.

Winter is the season to think about. Icy streetcar stops and subway stairs are where older visitors slip, and a fall with a broken wrist is a typical Super Visa claim. This is where the per-claim deductible you chose shows up.

The city is spread out, and families often share a parent between households: a month in Scarborough, a month with a brother in Etobicoke. That's fine. The policy covers your parent anywhere in Canada, so a stay with relatives in Kitchener-Waterloo, a weekend in Hamilton or a few weeks in Mississauga changes nothing on the policy. A trip to the United States is a different question; ask before booking. If the plan includes time with family in Quebec, my page on Super Visa insurance for parents visiting Montreal explains what a hospital there charges a visitor.

Toronto, in figures

Immigrants, share of residents
46.6% (2021)
Immigrants living in the city
1,286,140
Pearson passengers, 2025
47.3 million
Pankaj's nearest office
205-5250 Solar Drive, Mississauga
City of Toronto 2021 Census backgrounder and Toronto Pearson. There is no Toronto office; Toronto families work with Pankaj by phone, WhatsApp, video call or in Mississauga.

Buy Super Visa insurance online from leading insurers

Press Buy online to go to the insurer's secure purchase page, or Plan details to read about coverage and claims first. Not sure? Compare them all in one quote.

Buy online opens the insurer's own website in a new tab; policies are issued by each insurer.

What Toronto families ask me

Questions that aren't specific to Toronto are in the main Super Visa insurance FAQ.

How much coverage do Toronto families usually choose for a parent?

IRCC's floor is $100,000. Many Toronto families also price $150,000 and $200,000 before deciding.

At three times UHN's 2026-27 rates, one emergency visit, two days in intensive care and five on a ward comes to about $75,000 before doctors' fees. Surgery or a longer stay takes it past $100,000. Compare the premium at each level in the quote form.

Do the downtown hospitals charge more than Scarborough or North York?

Their base rates are higher. In 2026-27 UHN's ward rate is $2,303 a day, against $1,485 at Scarborough Health Network and $1,647 at North York General.

In an emergency you don't pick the hospital, though. Paramedics go to the nearest suitable department, and some patients are moved to a specialist centre, so size the policy for the higher rates.

Will my parent get a separate bill for the ambulance in Toronto?

Yes. UHN lists $240 for an ambulance for a non-resident of Canada, a fee set by Ontario's Ministry of Health.

It comes separately from the hospital and the doctors. Keep it with the other invoices for the claim.

Can my visiting parent ride the TTC at the senior fare?

Riders 65 and older qualify, but they must carry accepted photo ID as proof of age.

The TTC lists a driver's licence, an Ontario Photo Card or the old TTC Senior's Photo ID. A senior PRESTO fare type is set up in person at Shoppers Drug Mart.

Our parents land at Pearson after midnight. What start date goes on the policy?

The date they actually land, which is their date of entry. IRCC wants at least one year of cover from that day.

If the ticket shows departure on the 14th and arrival at 12:40 a.m. on the 15th, use the 15th. Starting on the 14th leaves the policy one day short of a year from entry.

Is there an office where Toronto families can meet Pankaj?

Yes, in Mississauga at 205-5250 Solar Drive, close to Pearson. There is no office in Toronto itself.

Most Toronto families work with him by phone, WhatsApp or video call and buy online. Call 647-640-2222 to book a time if you'd rather sit down over the medical questions.

Does a Toronto address make the premium higher?

No. The price depends on your parent's age, health answers, coverage amount and deductible.

A family in Etobicoke and a family in Ottawa get the same price for the same parent. Sample premiums by age are on the Super Visa insurance cost page.

Pankaj Bhatia, PFA, CHS, Super Visa insurance advisor in Ontario

Pankaj Bhatia, PFA, CHS: a broker next door to Pearson

Insure In Canada Inc. · Offices in Mississauga and Cambridge · Licensed in Ontario, Alberta, British Columbia, Manitoba, Saskatchewan, New Brunswick and Nova Scotia

Pankaj has spent 11 years helping families bring parents and grandparents to Canada. With Toronto families he starts with two questions: which hospital network your parent is most likely to end up in, and how stable their health has been over the past year. Those answers shape the coverage amount and the plan more than the price does. He compares plans across insurers, goes through the medical questionnaire with you, and stays involved for refunds and claims.

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

Planning a Toronto stay for your parents?

Run a quote now, or WhatsApp Pankaj your parent's date of birth, arrival date and any medical conditions.

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Where these numbers come from

Hospital rates change every year and differ by hospital; the estimator and the examples are illustrations, not quotes. Ask the hospital for its current non-resident rates. Coverage, refunds and fees follow each policy's terms, conditions, limitations and exclusions. This page is not immigration or legal advice.