Getting sick or injured in Canada | Allianz Global Assistance (2024)

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Information for Quebec residents. Information for Saskatchewan residents.

Travel insurance does not cover everything. Please refer to the policy wording for full terms and conditions, including limitations and exclusions. Travel insurance is underwritten by CUMIS General Insurance Company, a member of The Co-operators Group of Companies and administered by Allianz Global Assistance. Allianz Global Assistance is a registered business name of AZGA Service Canada Inc. and AZGA Insurance Agency Canada Ltd. Please note that remuneration may be payable to the distributor of this insurance.

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Getting sick or injured in Canada | Allianz Global Assistance (2024)


What happens if a tourist gets sick in Canada? ›

If during your visit to Canada you get sick or injured, the Canadian government won't pay for any hospitalization or emergency medical services for visitors. Also, if you don't have proper medical insurance coverage, you will be liable to pay for any medical service out of your own pocket.

What happens if I get injured in Canada? ›

Understanding Canadian Healthcare

If you are injured, you will need to use your own health insurance or pay out of pocket for the medical care you receive in Canada. Luckily, Canada uses a justice system similar to many other countries, making their process for filing a personal injury claim similar.

What happens if you have to go to the hospital in Canada? ›

You'll be responsible for paying things like doctor's fees, prescription medications or ambulance transport services. Regardless of what province you call home: You will have to have a valid provincial health card. You'll be reimbursed based on Canadian dollars and the current provincial rate for the services you need.

Does travel insurance cover if you get sick? ›

You will usually receive reimbursem*nt if your trip is cancelled for: unexpected illness or injury of you or a traveling companion that deems you unfit to travel; hospitalization or death of non-traveling family member; weather or common carrier issues; unforeseen natural disaster at home or the destination; a legal ...

Can Americans get free healthcare in Canada? ›

Foreigners will receive emergency care, but non-urgent medical treatment won't be covered. To make sure you won't have to pay for all of your medical expenses, you should sign up for an international health insurance plan.

What happens if a foreigner goes to the hospital in Canada? ›

If you are not a Canadian resident with a valid health card, you will be responsible for the cost of your care. Health PEI charges fees for a variety of services which can differ between facilities. Fees are subject to change without notice. You may also be charged a fee for accessing your health records (fees vary).

Can an American go to urgent care in Canada? ›

Depending on your immigration status, the government of Canada provides free emergency medical services, even if you don't have a government health card. If you have an emergency, it is recommended to visit the nearest hospital. A walk-in clinic may charge fees if you're not a resident of that province or territory.

Can foreigners get medical treatment in Canada? ›

The government also advises visitors to purchase health insurance to cover any emergency medical expenses before they enter the country. Ultimately, medical treatment in Canada for foreigners is done at the expense of the visitor – unless, of course, the visitor has travel insurance that covers it.

Can Americans see a doctor in Canada? ›

Yes, an American can visit a Canadian doctor. You need to do the following: Get an appointment with a Canadian doctor and a letter from the doctor agreeing to see you. (You will be required to present this letter to Canada Immigration.)

Can I use my US health insurance in Canada? ›

Canada provides world-class hospitals and top-ranked health care in the event of a medical emergency. However, U.S. government health insurance plans do not pay for hospital costs, medical expenses or prescription drugs for visitors to Canada.

Can US citizens go to Canadian hospitals? ›

It doesn't matter where in America you're from, whether Mexico or Bolivia, if you're not a Canadian resident you would have the responsibility to pay the bill for your treatment at a Canadian hospital. It's not free for visitors. It's not even free for residents.

Can I go to the ER in Canada without insurance? ›

We do not have employers, insurance companies, or the government deciding what treatment we can have. Anyone who needs it can go to an Emergency room and get treatment. If they are not a Canadian resident or are a new resident who hasn't completed the waiting period (typically, 90 days), they will get a bill.

What conditions are not covered by travel insurance? ›

Injuries or illnesses which occur during your trip are covered-unless they relate to a pre-existing injury or illness. However, some policies cover some pre-existing injuries or illnesses if you pay a higher premium. There may be exceptions to this such as terminal illnesses, mental disorders and heart conditions.

What is not covered by travel insurance? ›

Reasonably foreseeable events. Known storms, epidemics, acts of war. Travel restrictions imposed by government authorities. Pre-existing conditions, unless the Premium plan is bought within the window for coverage.

How much travel insurance do I need for Canada? ›

All Manulife CoverMe® Travel Insurance for Visitors to Canada plans fulfill the super visa travel insurance requirement as long as you have the minimum coverage amount of $100K and are covered for 365 days from the day you arrive.

Can I go to urgent care in Canada as an American? ›

No. However, it is possible for non-residents to get emergency healthcare coverage while in Canada (but it won't cover non-emergency expenses). This is highly recommended no matter whether you're visiting the country for one week or multiple months.

Can I go to urgent care in Canada as a US citizen? ›

Canada offers free emergency medical treatment regardless of immigration status, and you don't need a health card. However, going to the nearest hospital in case of an emergency is recommended, as some walk-in clinics may charge fees if you're not a resident of that province or territory.

Is healthcare free in Canada for foreigners? ›

Canada's free and public healthcare system is very generous when it comes to its own citizens and permanent residents. But when it comes to expats, it is not fully free. Non-residents will be expected to cover some costs on their own.

Can I get health insurance in Canada as a visitor? ›

When Visitors to Canada coverage is purchased prior to arrival in Canada, coverage becomes effective on the day you arrive. The plan is also available for purchase within 30 days of arrival, and coverage commences 72 hours following the date of application.

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