Health Insurance for Visitors to Canada with Pre Existing Conditions

Hello, are you aware of the health insurance for visitors to Canada with Pre-existing conditions? One of the best places in the world to visit is Canada, the experience of coming here is very thrilling, whether you’re coming for sightseeing, visiting family, or exploring business opportunities, Canada is a nice place to be and you will love it here.

Health Insurance for Visitors to Canada with Pre Existing Conditions
Health Insurance for Visitors to Canada with Pre Existing Conditions

However, before coming and while you are here, you need to prioritize your health and well-being throughout your stay, especially if you have pre-existing medical conditions that may need attention once in a while, you need health insurance, one that covers all your medical needs, and in this guide, we will share the best health insurance options for visitors in Canada with pre-existing conditions.

Pre-existing conditions are health issues that you have been diagnosed with or have received treatment for before coming to Canada. They can range from diabetes and heart conditions to allergies and even pregnancy. If you have any pre-existing health condition, you need to get an insurance plan that covers your condition.

Why Health Insurance is Vital

If you already have a health condition before your trip to Canada, having comprehensive health insurance is not just advisable; it’s essential. Canada’s healthcare system is renowned for its quality, but it can be costly for visitors.

Without insurance, your medical expenses can quickly escalate because of your pre-existing conditions, leaving you with an unplanned substantial financial burden and I’m sure you don’t want that for yourself.

Types of Health Insurance for Visitors with Pre-Existing Conditions

  • A visitor to Canada insurance: If you are a tourist or visitor to Canada, this type of insurance is specifically designed for you. You need it while in Canada and you can get it before coming to Canada or when you get here. It covers emergency medical expenses, hospitalization, and doctor visits, including those related to pre-existing conditions.
  • Travel insurance with pre-existing condition coverage: Some travel insurance policies offer coverage for pre-existing conditions. These policies are suitable for you if you are a traveller with a pre-existing condition and want comprehensive coverage.
  • High-risk insurance plans: High-risk insurance plans are designed for you if you have a pre-existing condition that is considered high-risk by standard insurance providers. These plans are tailored to cover your specific medical conditions and associated risks.
  • Specialized medical travel insurance: Specialized medical travel insurance plans cater to individuals with complex medical needs. These plans provide extensive coverage for pre-existing conditions, including doctor visits, hospitalization, medications, and other necessary medical services.

Best Insurance Companies in Canada for Visitors with Pre-existing Conditions

Below are insurance providers in Canada that offer coverage for visitors with pre-existing conditions.

  • Manulife Financial: Manulife is one of the largest and most reputable insurance providers in Canada. They offer various insurance products, including visitor insurance. They have been known to provide coverage for pre-existing conditions but you have to meet their terms and conditions.
  • Blue Cross Canada: Blue Cross is a prominent name in the Canadian insurance industry, if you are familiar with insurance in Canada, you should know about them. They offer travel insurance plans, including those catering to visitors. Though their policies vary, they often have options that cover pre-existing conditions. You can check their specific plans for detailed information.
  • Travel Guard (AIG Canada): AIG is a well-known global insurance provider. They offer travel insurance plans through their Travel Guard brand, which includes coverage for visitors to Canada. Their policies also include coverage for pre-existing conditions, so you can review their offer for more details.
  • TuGo: TuGo specializes in travel insurance and is known for providing coverage for visitors to Canada. They also offer a range of travel insurance products, and some of their plans cover pre-existing conditions.
  • Allianz Global Assistance: Allianz is a respected name in the insurance industry worldwide. They offer travel insurance for visitors to Canada and have options for covering pre-existing conditions. If you are interested in their package, you can go through their policy terms and consult with their customer service for more information.
  • RSA Travel Insurance: RSA offers travel insurance products, including coverage for visitors to Canada. They also have options that cover pre-existing conditions and are willing to meet your other specific needs.

Factors to Consider Before Choosing an Insurance Provider

below are factors to consider for Health Insurance for Visitors to Canada with Pre Existing Conditions

  • Coverage limits: Before choosing an insurance provider, make sure you understand the maximum limit of coverage they have for people with pre-existing conditions.
  • Waiting periods: You also need to check if there is a waiting period because some insurance plans have waiting periods before they cover pre-existing conditions. You need to be sure of these waiting periods to avoid any gaps in coverage.
  • Exclusions: You also need to carefully review their policy document to identify any specific exclusions related to your pre-existing condition.

How to Find Suitable Insurance

Follow the simple steps below to find the right insurance provider in Canada

  • Research: You should start with proper research. Check online for different insurance providers and compare their plans. Look for companies with positive reviews, especially from individuals with pre-existing conditions.
  • Consultation: If you’re unsure about a policy you find in any provider, you can consult an insurance expert. They can guide you to a plan that suits your needs and budget.
  • Documentation: Once you find the right one, you should prepare to provide detailed documentation about your pre-existing condition. When you provide accurate information, it ensures you receive appropriate coverage. That’s all you have to do to find the right insurance plan for your condition.


If you have a pre-existing medical condition and you are planning a trip to Canada, you need an insurance plan that covers your condition. You can search online for different providers, and look for a provider that covers your specific need.

Aside from covering your condition, you also need to check their claim process and if there are any exclusions. Do not forget that your well-being is paramount. You must not compromise on the quality of your insurance coverage.



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