Canada is one of the world's most-visited countries and a top study destination. Here is what you need to know about insurance requirements for both tourist and student visitors.
Tourist Visa and eTA Insurance
Canada does not legally require travel insurance for tourist visas or eTAs. However, Canadian provincial health systems do not cover foreign visitors. A single hospitalization in Canada can cost CAD 3,000-10,000 per day. Without insurance, you pay the full amount.
Student Permit and Health Insurance
International students on Canadian study permits are required by most universities to enroll in a health insurance plan. Provincial health coverage eligibility varies — some provinces (Ontario, BC) cover international students after 3 months; others do not. IATI annual plans bridge the gap from day 1.
Healthcare Costs in Canada
Canada has excellent public healthcare for residents. For visitors: emergency room visit CAD 800-2,000. Hospitalization CAD 3,000-10,000 per night. Major surgery CAD 20,000-100,000. Ambulance CAD 300-1,000. IATI covers all of these at no upfront cost.
Quebec Requires Insurance for All Visitors
The province of Quebec has historically recommended proof of insurance for visitors and increasingly requests it for certain visa-related activities. IATI's certificate is accepted for Quebec-specific requirements.
How to Get Your IATI Certificate for Canada
Purchase IATI insurance specifying Canada as your destination. Receive your certificate immediately after payment. The certificate shows coverage period, medical expense limits, and repatriation — the three elements Canadian immigration and universities request.
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