How much does a hospital emergency cost in Canada for a foreign visitor?

At the CHU de Québec, billing for a 24-hour period in the emergency room is $1,182.66, before doctors' fees and additional tests. In intensive care, the daily rate rises to $15,207. These figures are published by the facility and reflect the pricing reality for people not covered by a provincial plan.

Does the super visa require medical insurance?

Yes. IRCC requires proof of private medical insurance of at least $100,000 CAD, valid for at least one year from the date of entry to Canada. The policy must cover medical care, hospitalization and repatriation. Since January 2025, policies issued by foreign insurers accredited by OSFI are accepted.

Does my credit card insurance cover a six-month stay?

Generally no. Most credit cards limit travel medical coverage to 15 or 60 consecutive days. For a stay on a super visa or a long tourist stay, dedicated visitor insurance is necessary. Also check whether your card requires the trip to have been paid with it for coverage to activate.

Does my national insurance cover care received in Canada?

Partially, at best. Many national plans reimburse care abroad based on their own rates, far below Canadian costs. The difference is on you. Contact your insurer before departure to learn the exact ceiling applicable in Canada and check whether repatriation is included.

Should you declare pre-existing medical conditions?

Yes, and it is a critical step. An undeclared pre-existing condition can lead to a claim denial for an event linked to that condition. Declare your health honestly at purchase and ask for written confirmation of what is covered, especially for chronic conditions like diabetes or heart disease.

What coverage amount should you choose for a stay in Canada?

The legal minimum for the super visa is $100,000. For a healthy visitor under 50 on a short stay, that threshold can be enough. For a stay of several months, someone 60 and over or someone with a medical history, coverage of $200,000 to $300,000 is more prudent. Canadian intensive care daily rates (over $15,000 per day) show why this choice deserves thought.

Does visitor insurance cover sports activities?

It depends on the policy. Hiking, skiing, mountain biking and kayaking are often subject to special conditions or excluded from basic plans. Declare the planned activities at purchase and get written confirmation that these activities are covered. Some insurers offer a specific rider for outdoor activities at a moderate rate.

What do you do in a medical emergency in Canada without insurance?

Canadian hospitals treat you in all cases, but they issue a bill. Without insurance, settling that bill is directly on you. A deposit may be required before non-urgent care. In a life-threatening emergency, care is provided without delay, but billing follows. Contact your embassy or consulate locally for help if needed.