Yes, most policies cover injuries from recreational sports like skiing, snowboarding, or hiking—but not high-risk or professional sports (e.g., bungee jumping, rock climbing).

We recommend a minimum of $50,000 coverage, though plans are available from $10,000 up to $1,000,000. Hospital stays in Canada can cost thousands per day, so higher coverage offers stronger protection.

Yes, most policies cover short trips outside Canada (except your home country), provided you spend a portion of your policy period in Canada.

• Faster claim processing
• Direct billing with Canadian hospitals
• Trusted, local support when you need it most

Coverage applies across all provinces and territories in Canada, so you’re protected no matter where you travel.

It’s best to purchase before arriving in Canada. Some insurers even cover you during your travel to Canada. If you wait until after arrival, a waiting period may apply.

No. Visitors Insurance is designed for emergency medical treatment only, not for routine health exams or ongoing care.