Debunking 5 Common Myths About Visitors to Canada Insurance

Myth #1: Visitors to Canada insurance isn’t necessary because I’ll be able to benefit from the Canadian healthcare system if needed.

Fact: Visitors to Canada do not receive automatic coverage under Ontario’s public health insurance plan. It’s crucial to understand that provincial health coverage varies, and visitors may not qualify for free medical services.  

During your stay in Canada, we recommend obtaining private insurance tailored for visitors. This insurance offers coverage for hospital expenses in the event of accidents or illnesses. Without it, you could encounter significant unforeseen costs, depending on the circumstances.

Myth #2: Visitors to Canada insurance isn’t necessary because I’m in good health. 

Fact: Even if you’re in great health, unexpected situations can occur. Accidents happen, and illnesses can strike without warning. That’s why having insurance coverage for medical expenses while in Canada is crucial.  

With Ontario Blue Cross Visitors to Canada insurance, you get 24/7 access to our Travel Assistance service. Our experts are available to assist you during emergencies and provide guidance when necessary. 

Myth #3: Visitors to Canada insurance is too expensive. 

Fact: While some may perceive Visitors to Canada insurance as costly, it’s essential to consider the potential expenses associated with a medical emergency in Canada. The cost of Visitors to Canada insurance can be a justified and reassuring expense. In the unfortunate event of an accident or illness, medical expenses can quickly add up. Having coverage ensures that you won’t have to bear the full burden of these costs. Visitors to Canada insurance offers flexibility. You can compare different coverage options and select the one that aligns with your needs and budget. 

The cost varies depending on length of stay, age and the maximum coverage selected: $50,000, $100,000, or $150,000 per person. 

Myth #4: I’ve already arrived in Canada, so it’s too late to buy Visitors to Canada insurance. 

Fact: The reality is that you have 30 days from your arrival date to purchase an insurance policy. Highly recommended, though, is buying insurance before your arrival. Why? Because getting coverage in advance ensures immediate insurance as soon as you set foot in Canada.  

If you’re already in Canada when you decide to purchase insurance, you’ll be covered immediately in case of an accident or injury. However, there will be a three-day waiting period from the date of purchase before coverage for any sudden illness begins.

Myth #5: If I buy Visitors to Canada insurance, I will not be covered if I decide to spend a few days in the United States. 

Fact: Visitors to Canada insurance not only covers your stay within Canada but also extends to side trips you plan outside the country. Whether you’re exploring the United States or embarking on a Caribbean adventure, your insurance remains valid. 

To ensure your side trips are covered by Visitors to Canada insurance, keep the following in mind: 

• Each side trip should last a maximum of 30 days. 
• The combined duration of all side trips must not exceed 49% of the overall contract period.