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 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).

What happens if I get injured in Canada? ›

The Canada Health Act works to ensure that Canadians receive most of their medical care for free, but this does not apply to those visiting from outside the country. 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.

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 ...

Do tourists get free healthcare in Canada? ›

Travel Insurance for Short-Term Visitors to Canada

The country's national health plan doesn't cover most visitors to Canada, so you need to consider how to get health insurance in Canada before your departure.

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

Urgent care in Canada: How to get help when you need it

Canada offers free emergency medical treatment regardless of immigration status, and you don't need a health card.

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.

Do Americans have to pay for hospital visits in Canada? ›

Canada does not pay for hospital or medical services for visitors. You should get health insurance to cover any medical costs before you come to Canada.

Can an American go to the doctor in Canada? ›

As a foreign visitor to Canada, you can visit any doctor or hospital, as long as you pay the bill. Relatively small amounts, you pay upon your visit. After you returned home, send the medical bill to your insurance company.

Does US health insurance work 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 foreigners get medical treatment in Canada? ›

The short answer is yes, foreigners can get healthcare in Canada. However, it highly depends on your status in the country, and it may take some time before you are covered by provincial coverage and then be able to apply for extended health cover through the private system.

Do you have to pay hospital bills in Canada? ›

Under this system, all Canadian residents have reasonable access to medically necessary hospital and physician services without paying out-of-pocket. Roles and responsibilities for health care services are shared between provincial and territorial governments and the federal government.

What conditions are not covered by travel insurance? ›

Conditions which may not be covered

Conditions like terminal illness, the need for oxygen, pending surgery, chronic lung disease, cardiovascular disease, specific types of cancer, congestive heart failure, and recurring pain are generally excluded from coverage.

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.

What if I get sick while traveling? ›

If you or a travel companion gets an injury or sickness that can't be helped with basic first aid or an over-the-counter medicine, seek medical attention right away. Visit Getting Health Care During Travel to learn how to connect with a doctor or medical services during your trip.

Can a tourist go to the hospital in Canada? ›

Canada does not pay for hospital or medical services for visitors. You should get health insurance to cover any medical costs before you come to Canada.

Can a tourist go to the doctor in Canada? ›

Can a Tourist See a Doctor in Canada? Navigating healthcare in Canada as a nonresident requires some knowledge and planning, but it's entirely possible to keep yourself safe during your travels. Anyone can schedule a doctor's appointment or visit an emergency medical facility while in Canada.

Does my US health insurance cover me in Canada? ›

However, U.S. government health insurance plans do not pay for hospital costs, medical expenses or prescription drugs for visitors to Canada. But if you have private insurance, you can check with your provider to see if you have coverage while abroad.

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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