• AMC


Whether your or your guests are planning on travelling to Canada or are a new canadian immigrant waiting for your OHIP eligibility, you need to be prepared against any unexpected illness or injury. For any of these situations, ensure you have a safe and tension-free visit by having them sign up for our Visitors to Canada insurance.

Who can benefit from Visitors to
Canada Insurance?

New Canadian Immigrants

Certain provinces have a waiting period of up to 3 months before you are eligible for Canada’s Universal Healthcare. During this period, you will be required to pay for any medical services as you have no proof of provincial coverage. Sign-up for Visitors Insurance to protect yourself against high medical bills in the event of an unexpected illness or accident.

International Students

International students must be enrolled for a 12-month period in a designated post-secondary institution. As a post-secondary student, applicants must be between the age of 17-35. Please go to the Government of Canada website to ensure you have fulfilled all the criteria.

Short Term Visitors

Visitors’ insurance is often not necessary to enter a foreign country, but it is strongly recommended. If you get sick or injured during your visit to Canada, the Canadian Government will not be responsible for covering any emergency medical bills, making you liable. Sign up for Visitors Insurance to limit you out-of-pocket expenses in the event you need medical assistance.

Foreign Workers

The government establishes the criteria for foreign workers to be able to work in Canada. - Information in writing must show a work contract of a minimum of 6 months. - Must have a valid work permit; - A formal agreement with the employer which is in the appropriate province. Please note, there is still a provincial waiting period before the provincial health benefits commence.

Canadian Resident Returning to Canada after an Extended Leave

If you are out of Canada for longer than the Provincial limits, you will lose your provincial healthcare. Please see chart below. 
Provincial Maximum Time Outside Canada (not including exemption requests)



6 Months

Quebec, Prince Edward Island, Northwest Territories, Yukon


7 Months (212 Days)

British Columbia, Alberta, Saskatchewan, Manitoba, Ontario, New Brunswick, Nova Scotia,

8 Months

Newfoundland and Labrador

12 Months


If you plan to be out of Canada for longer than these above number of days in your province, you may request an exemption. However, you must request the exemption while you were in your home province.

If you lose your coverage by being out of Canada too long, you must serve out the provincial waiting period before your coverage takes effect. For example, the waiting period in Ontario’ is three months.


Work with Experienced

With over 30 years of experience in working with the best brokerage services, SBIS’s expert staff can help you select the Visitors Program that best fits your needs.

AMC’s Role

AMC > Brokerage > Insurance Company


What does Visitor to Canada Medical Insurance Cover?

Emergency Medical Expenses

The Emergency Medical benefit covers any medical expenses for an immediate illness or injury incurred while on your trip to Canada. However, this benefit does not offer coverage for regular check-ups or physicals pertaining to pre-existing conditions. If you have a pre-existing condition, please check your insurance policy to ensure you are covered. Covered expenses under the Emergency Medical benefit generally include ambulance services, hospital and physician bills, emergency dental aids, and X-rays.

Pregnancy expenses and standard birth related costs are not covered. Prenatal care, childbirth, and possible health complications resulting from pregnancy are only covered up to the eighth or ninth week prior to (and after) the expected due date. Please check the specific wording of your policy.