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Work Visa Medical Insurance

Every year, Canada welcomes a significant number of workers from around the world, offering them the opportunity to contribute their skills and expertise to the Canadian economy and play an essential role in the country’s day-to-day operations and various industries. Canada is widely known for its exceptional public healthcare system, which is provided free of charge. However, it’s important to note that these free medical services and facilities are only available to Canadian citizens and permanent residents. Therefore, if you’re on a work visa, accessing healthcare services in Canada can be quite challenging without having work visa medical insurance to ensure you receive the necessary coverage and care. Emergency medical services for any illness, including dental issues, can be quite costly for workers, who already manage daily expenses while living away from their home country. Given these challenges, securing work visa medical insurance in Canada becomes essential to ensure access to necessary care and financial protection.

With work visa medical insurance, you can avoid the financial strain of covering medical expenses out of pocket. At Danforth Insurance, we bring the affordable work visa medical insurance quote by allowing our customers to compare work visa medical insurance Canada cost from various major insurance providers at one place. In addition to this we allow our clients to choose from several coverage and deductible options. A small coverage amount and high deductibles can help you to bring down the work visa medical insurance Canada cost according to your budget requirements.

Why Choose Us?

Comprehensive medical coverage options from $15,000 to $1,000,000 for one year (365 days) or less number of days.

Convenience of monthly payment plan option!

Enjoy exclusive discounts for companions and family members

We provide quotes from multiple insurance providers in one place, allowing you to choose the best option for your health and financial situation.

We do price match or may even provide a better deal – call us at 647-350-0332

COVID-19 coverage available within Canada subject to the regular terms and conditions of the policy

We offer plans for individuals of all ages, whether or not they require coverage for pre-existing medical conditions.

Plans available for the stable pre-existing medical conditions (e.g., BP, heart, diabetes, cholesterol, lung and other conditions)

Diverse range of deductibles, from as low as $0 to maximum $10,000. Flexibility in choosing the deductible can offer significant reductions in your premiums.

100% refund – If no Visa granted for any reason before effective date.

Get a partial premium refund for plan changes, only if no claims have been processed.

Work visa insurance plans

Based in Toronto, we are a travel insurance company that partners with a range of trusted and reputable medical insurance providers to deliver comprehensive coverage. Through these partnerships, we are able to bring the best work visa medical insurance in Canada. We offer our clients several affordable work visa medical insurance quotes along with monthly payment plans when purchased for one year and at least $100,000 coverage, family medical plans and special discounts for companions. Explore below the various benefits of work visa medical insurance by Manulife, Allianz, Insure Canada, Tugo, 21st Century, GMS,etc. These benefits include coverage for medical emergencies, hospitalization, emergency dental care, accidental death and dismemberment, and more, ensuring peace of mind as you carry out your work duties in Canada.

21st Century insurance policies are underwritten by Manulife. Three plans (1) Basic, (2) Standard and (3) Enhanced are offered with a range of coverages from $15,000 to $200,000 and monthly payment option with $100,000 or more coverage for one year. Enhanced plan provides coverage for pre existing medical conditions stable in 180 days prior insurance start date.

Insure Canada offers two plans (1) Standard, (2) Enhanced with several benefits. Coverage is available for ages up to 84 years. Emergency medical coverage ranges from $25,000 to $1 million. Both Standard and Enhanced plan covers pre-existing medical conditions stable in 90 days (for ages up to 69) and 180 days (for ages 70 to 84) prior insurance start date.

Travelance offers two plans (1) Essential and (2) Premier with a range of coverages $25,000, $50,000, $100,000 to $150,000 and monthly payment option for 90 or more days. The Premier plan covers stable pre-existing conditions, while the Essential plan with lower premiums does not cover pre-existing conditions.

GMS provides visitors to Canada with medical insurance to ensure you're covered throughout your stay in Canada. GMS offers coverage options from $25,000 to $150,000 with several deductible options. If your travel is delayed to or from your destination, coverage will be automatically extended for up to 48 hours. GMS provides 24/7 travel assistance as emergencies can happen anytime.

Tugo offers insurance coverage for all age groups, including seniors over 85, even those with pre-existing conditions, who can benefit from Tugo's medical insurance policies. You will need to complete a medical questionnaire, which will help determine your insurance premium. However, for individuals aged 70 and above, a stability period of 365 days is required to qualify for pre-existing conditions coverage.

Allianz offers insurance coverage for all ages up to 89. It has plans for visitors, super visa and landed immigrants/returning Canadians. Covers pre-existing medical conditions if stable before the insurance start date. For individuals aged 59 and under, a stability period of is 90 days but for 60 and above pre-existing conditions should be stable for 180 days prior insurance start date. Offers 24/7 Emergency Care and Assistance.

21st Century Plans Benefits

* At Danforth Insurance, we offer comprehensive insurance plans that come with exclusive benefits during your stay in Canada. However, it is important to note that every insurance plan has its limitations, exclusions, conditions, and other terms that may impact the reimbursement you are entitled to. To gain a deeper understanding of our policies, please take a moment to review our detailed policy wordings:

Insure Canada Plans Benefits

* At Danforth Insurance, we offer comprehensive insurance plans that come with exclusive benefits during your stay in Canada. However, it is important to note that every insurance plan has its limitations, exclusions, conditions, and other terms that may impact the reimbursement you are entitled to. To gain a deeper understanding of our policies, please take a moment to review our detailed policy wordings: Policy document

Travelance Plans Benefits

Benefit	Essential plan	Premier plan
Pre-existing conditions coverage	Not covered	Age 69 and Under: Covers stable pre-existing medical conditions in 180 days prior to the effective date.
Medical questionnaire required?	Yes	Yes
Hospital accommodation	Semi-private room	Semi-private room
Prescription drugs	Up to $1000 per prescription limited to 30 days supply.	Up to $10,000 per prescription limited to 30 days supply.
Follow-up visits	Up to one follow-up visit to a maximum of $1,000 provided it is related to a medical emergency.	Up to 3 follow-up visits to a maximum of $3,000 provided it is related to a medical emergency.
Private duty nurse	Covered if the attending physician prescribes services.	Covered if the attending physician prescribes services.
Ground or air transportation	Covers ground and/or air transport when medically necessary.	Covers ground and/or air transport when medically necessary.
Dental coverage	Up to $2,000 for treatment as a result of accidental blow. Up to $300 for dental emergency treatment.	Up to $4,000 for treatment as a result of accidental blow. Up to $500 for dental emergency treatment.
Laboratory tests & diagnostic services	Lab tests and x-rays when related to the medical emergency. Diagnostic tests such as sonograms, electrocardiograms, computerized axial tomography (CAT scan) and magnetic resonance imaging (MRI). if prescribed by attending physician. Travelance must pre-authorize these tests.	Lab tests and x-rays when related to the medical emergency. Diagnostic tests such as sonograms, electrocardiograms, computerized axial tomography (CAT scan) and magnetic resonance imaging (MRI). if prescribed by attending physician. Travelance must pre-authorize these tests.
Medical Appliances	Medical equipment purchased or rented are covered with the following limits: Orthotics - $500; Braces (knee/back/etc) $1,000;	Medical equipment purchased or rented are covered with the following limits: Orthotics - $500; Braces (knee/back/etc) $1,000;
Health professional services	No coverage for healthcare practitioners such as Accupuncturist, Chiropractor, Physiotherapist, etc.	Up to $500 per practitioner Acupressurist, acupuncturist, chiropodist, chiropractor, naturopath, osteopath, physiotherapist, or podiatrist
Accidental death & dismemberment	Not covered	Up to $100,000
Return of deceased/ Cremation or burial	Up to $10,000 for repatriation of Your body or ashes to your home country. Up to $4,000 for cremation or burial excluding cost for headstone, casket, urn and/or funeral service expenses. In order to identify insured’s remains it covers a round-trip economy airfare for someone to travel to place to identify remains Up to $450 for commercial accommodation and meals	Up to $16,000 for repatriation of Your body or ashes to your home country. Up to $6,000 for cremation or burial excluding cost for headstone, casket, urn and/or funeral service expenses. In order to identify insured’s remains it covers a round-trip economy airfare for someone to travel to place to identify remains Up to $450 for commercial accommodation and meals
Transportation to bedside	Not covered	Covers some cost to transport a person in family or friend to you in case of medical emergency Up to $3,000 for the cost of a round-trip fare via the most direct route Up to $1,000 for commercial accommodation and meals.
Side trip coverage	Side trip coverage is available when you are travelling in any other country, excluding your country of origin provided Side trips are restricted to a maximum of 45 days. The number of covered days in Canada must be more than 50% of the total covered days elapsed at the time of the claim	Side trip coverage is available when you are travelling in any other country, excluding your country of origin provided Side trips are restricted to a maximum of 45 days. The number of covered days in Canada must be more than 50% of the total covered days elapsed at the time of the claim
Out-of-pocket expenses	Not covered	Up to $150 per day to a maximum of $1,500 for commercial accommodation and meals, essential telephone calls and taxi fares.
Automatic extensions	Coverage will be extended for 72 hours if return is not possible because of common carrier delay In case of hospitalization due to emergency, coverage will be extended during the hospital stay In case you are medically unfit to travel but not hospitalized then coverage will be extended for up to 3 days.	Coverage will be extended for 72 hours if return is not possible because of common carrier delay In case of hospitalization due to emergency, coverage will be extended during the hospital stay In case you are medically unfit to travel but not hospitalized then coverage will be extended for up to 3 days.
Policy cancellation/ Refund	You can request policy cancellation within 10 days of purchase for full refund provided it is before the effective date. Policy cancellation can be requested after 10 days provided you have not reported a claim.	You can request policy cancellation within 10 days of purchase for full refund provided it is before the effective date. Policy cancellation can be requested after 10 days provided you have not reported a claim.
Waiting period	Waiting period applies If you purchase policy after your arrival in Canada 24 hours for an injury; 48 hours for a sickness if your start date is within 30 days of your arrival date; 48 hours for a sickness if you are continuing coverage from an existing policy with another Canadian insurance company or from a provincial GHIP plan; 7 days for sickness if your start date is more than 30 days from your arrival date.	Waiting period applies If you purchase policy after your arrival in Canada 24 hours for an injury; 48 hours for a sickness if your start date is within 30 days of your arrival date; 48 hours for a sickness if you are continuing coverage from an existing policy with another Canadian insurance company or from a provincial GHIP plan; 7 days for sickness if your start date is more than 30 days from your arrival date.

* At Danforth Insurance, we offer comprehensive insurance plans that come with exclusive benefits during your stay in Canada. However, it is important to note that every insurance plan has its limitations, exclusions, conditions, and other terms that may impact the reimbursement you are entitled to. To gain a deeper understanding of our policies, please take a moment to review our detailed policy wordings: (1) Essential Plan and (2) Premier Plan

GMS Visitor to Canada Plan Benefits

Benefit	Details
Pre-existing conditions coverage	Covers pre-existing conditions if stable in 180 days prior to the effective date
Medical questionnaire required?	Yes
Hospital accommodation	Semi-private room
Prescription drugs	Covers medication required for emergency treatment up to maximum 30 day prescription
Follow-up visits	Covers follow-up visits if related to medical emergency
Private duty nurse	Covers some expenses if required medically as a result of emergency treatment
Ground or air transportation	Covers ground and/or air transport when medically necessary.
Dental coverage	Up to $2,000 for treatment as a result of accidental blow. Up to $300 for dental pain.
Laboratory tests & diagnostic services	Lab tests and x-rays when related to the medical emergency. Magnetic resonance imaging, computerized axial tomography scans, sonograms, ultrasounds and biopsies are excluded from coverage, unless pre-authorized by GMS.
Medical Appliances	Not covered
Health professional services	Up to an aggregate maximum $500 per person for osteopath, optometrist, physiotherapist, chiropractor, chiropodist and/or podiatrist.
Accidental death & dismemberment	Not covered
Return of deceased/ Cremation or burial	Up to $10,000 for return of deceased to the country of origin Up to $4,000 for cremation or burial This benefit does not cover the cost of a headstone, burial casket, urn, or funeral service expenses.
Transportation to bedside	1 round-trip economy class airfare for a medical attendant who needs to be with you in case of medical emergency.
Side trip coverage	Covers side trips for up to 30 days or less in duration outside of Canada for the trips that originate and terminate in Canada are not greater than 50% of your period of coverage. Expenses incurred in your country of origin are not covered.
Out-of-pocket expenses	Up to $150 per day to a maximum of $1,000, for accommodations, meals, necessary telephone calls and taxi or bus fares incurred by an accompanying family member in the event of emergency In the event of your hospitalization: Covers up to $500 for childcare for the children accompanying you on your trip.
Automatic extensions	For the duration of your hospitalization and 72-hour period following discharge from the hospital. Arrive in your country of origin within 48 hours.
Policy cancellation/ Refund	Policy can be cancelled with full refund within 10 days of purchase provided that policy starts after 10 days of purchase date.
Waiting period	Waiting period applies if you purchase policy after your arrival in Canada 2 days period if you have purchased policy within 30 days of arrival in Canada 7 days period if you have purchased policy after more than 30 days of arriving in Canada

* At Danforth Insurance, we offer comprehensive insurance plans that come with exclusive benefits during your stay in Canada. However, it is important to note that every insurance plan has its limitations, exclusions, conditions, and other terms that may impact the reimbursement you are entitled to. To gain a deeper understanding of our policies, please take a moment to review our detailed policy wording.

Tugo Visitor to Canada Medical Plan Benefits

Benefit	Details
Pre-existing conditions coverage	59 years and under - Covers if stable in 120 days before the effective date of the policy 60 to 69 years - Covers if stable in 180 days before the effective date of the policy 70 years and over - Covers if stable in 365 days before the effective date of the policy
Medical questionnaire required?	Yes - Only 60 years and older needs to complete medical questionnaire
Hospital accommodation	Semi-private room
Prescription drugs	Up to a 30-day supply following an emergency during the trip
Follow-up visits	Up to 5 follow-up visits within 14 days of the initial emergency medical treatment
Private duty nurse	Covers up to sum insured if required as a result of medical emergency
Ground or air transportation	Up to the sum insured for ground, air or sea ambulance (including paramedics) or taxi in lieu
Dental coverage	Up to $6,000 for dental accidents during the trip Up to $600 for dental pain
Laboratory tests & diagnostic services	Lab tests and x-rays when related to the medical emergency.
Medical Appliances	Covers rental or purchase of essential medical appliances up to the sum insured.
Health professional services	Up to $600 for any one incident per practitioner for licensed Physiotherapists, Chiropractors, Chiropodists, Osteopaths, Podiatrists, Optometrists, Acupuncturists
Accidental death & dismemberment	Up to $25,000 24-hour accident insurance coverage Insureds can purchase additional coverage for AD&D as follows: Air Flight/Common Carrier - up to $100,000 24-hour Accident - up to $25,000
Return of deceased/ Cremation or burial	Up to the sum insured for preparation and return of the body Up to $6,000 for burial or cremation at the place of death Transportation costs and insurance coverage for one family member to identify the body, and up to $400 per day to a maximum of $2,000 for their meals and accommodation
Transportation to bedside	When an insured traveller is hospitalized, this benefit includes: A round trip economy airfare or ground transportation costs for a family member to be at their bedside Up to $400 per day to a maximum of $2,000 for out-of-pocket expenses
Side trip coverage	Travel Worldwide Travel worldwide is covered as long as the majority of the period of coverage is spent in Canada. The insured must have travelled to Canada first before they can be covered for side-trips outside of Canada . Travel in Home Country Visits to home country are permitted; the Policy will not terminate but expenses will not be covered
Out-of-pocket expenses	In case of hospitalization it covers: Up to $500 per day to a maximum of $5,000 commercial accommodation, meals, telephone calls, internet charges, taxi fare, parking charges, bus fare, rental car services Up to $500 per day to a maximum of $5,000 for child care costs for the insured children accompanying you on the trip.
Automatic extensions	Coverage will be automatically extended in any of the following event Hospitalization: During your stay in hospital plus 7 days after release from hospital Medically unfit to travel: Up to 7 days Common carrier delay: Up to 7 days
Policy cancellation/ Refund	Policy cancellation with full refund is available up to the insurance start date. Policy cancellation after the arrival date is subject to terms and conditions given in the policy document.
Waiting period	Waiting period applies if you purchased policy before arrival in Canada 48-hour waiting period on disease or illness if the policy is purchased within 60 days after arrival in Canada 7-day waiting period on sickness if policy is purchased 61 days or more after arrival in Canada

* At Danforth Insurance, we offer comprehensive insurance plans that come with exclusive benefits during your stay in Canada. However, it is important to note that every insurance plan has its limitations, exclusions, conditions, and other terms that may impact the reimbursement you are entitled to. To gain a deeper understanding of our policies, please take a moment to review visitor to Canada medical insurance section in policy wording and key benefits.

Allianz Visitor to Canada Medical Plan Benefits

Benefit	Details
Pre-existing conditions coverage	Pre-existing medical condition coverage 59 and under: covers pre-existing conditions if stable for 90 days before the insurance start date 60 to 89: covers pre-existing conditions if stable for 180 days before the insurance start date
Medical questionnaire required?	No — exclusions apply (see policy wording for details).
Hospital accommodation	Semi-private room
Prescription drugs	30-day supply, to a maximum of $1,000
Follow-up visits	Covers follow-up visits if related to medical emergency and prescribed by the physician
Private duty nurse	Covers if required as a result of medical emergency and should not exceed $10,000.
Ground or air transportation	Covers ground and/or air transport when medically necessary up to sum insured
Dental coverage	Up to $4,000 for treatment as a result of accidental blow. Up to $500 for dental pain.
Laboratory tests & diagnostic services	Covers diagnostics, lab tests and/or X-ray examinations as ordered by a physician for the purpose of diagnosis.
Medical Appliances	Covers rental of crutches or hospital-type bed, not exceeding the purchase price; and the cost of splints, trusses, braces or other prosthetic appliances approved in advance by Allianz Global Assistance.
Health professional services	Up to $500 per profession such as chiropractor, osteopath, podiatrist / chiropodist, physiotherapist when ordered by the attending physician; acupuncturist.
Accidental death & dismemberment	Up to the sum insured
Return of deceased/ Cremation or burial	Up to $10,000 for costs incurred to prepare and return your remains in a standard transportation container to your country of origin; Up to $4,000 for cremation or burial of your remains at the place of death. The cost of a cofn or urn is not covered.
Transportation to bedside	In case of hospitalization related to medical emergency this policy provides the following coverage to bring someone to your bedside: Up to a maximum of $3,000 for round trip economy air fare Up to a maximum of $1,000 for commercial accommodation, meals, essential telephone calls, taxi fare.
Side trip coverage	Costs incurred outside of Canada other than in your country of origin are covered provided the majority of the period of coverage is spent in Canada.
Out-of-pocket expenses	In case of hospitalization it covers $150 per day to a maximum of $1,500, or up to a maximum of 10 days for commercial accommodation and meals, child care costs for children accompanying you, essential telephone calls, taxi fares.
Automatic extensions	Coverage will be automatically extended in any of the following event: Delay of conveyance: up to 72 hours Hospitalization: the period of hospital confinement, plus 72 hours after release to travel home Medically unfit to travel: Up to 5 days
Policy cancellation/ Refund	A full refund will be provided for policies which are returned within 10 days of purchase. There will be no refund of premium if a claim has been made.
Waiting period	48-hours waiting period applies if you purchase your policy: after the expiry date of an existing Allianz Global Assistance administered policy after you exit your country of origin.

* At Danforth Insurance, we offer comprehensive insurance plans that come with exclusive benefits during your stay in Canada. However, it is important to note that every insurance plan has its limitations, exclusions, conditions, and other terms that may impact the reimbursement you are entitled to. To gain a deeper understanding of our policies, please take a moment to review visitor to Canada medical insurance section in policy wording and exclusions for which coverage is not available under Allianz medical insurance.