6 Months in Canada at 65 — Visitor Insurance Costs From All Major Insurers (2026)
Visitor insurance costs for a 65-year-old spending 6 months in Canada. 2026 real pricing from all major Canadian insurers, compared side by side.
6 Months in Canada at 65 age Visitor Insurance Costs From All Major Insurers (2026)
Six months in Canada as a 65-year-old is a serious visit. It is also long enough that visitor insurance decisions warrant careful attention. This is what a 65-year-old on a six-month Canadian stay pays across the major Canadian insurers in August 2026.
Complete Insurer Pricing
Insurer | Total Premium (CAD) |
|---|---|
RIMI Standard | $678.60 |
RIMI Enhanced | $772.20 |
Destination Canada | $873.00 |
GMS | $900.00 |
21st Century | $999.09 |
Manulife | $1,044.00 |
Quotes for this profile spanned $678.60 to $1,044.00 a $365.40 range across six insurers, all quoting the exact same trip.
What Long-Stay Coverage Actually Involves
Six-month visitor insurance is not the same as a one-week travel policy stretched longer. Long-stay coverage brings additional considerations:
Cumulative risk: longer time in Canada means statistically higher likelihood of some unexpected medical event, which is why premiums scale up meaningfully vs shorter trips
Coverage limits: $100K covers most emergency scenarios but for major surgeries or long ICU stays, some families opt for $200K or higher
Deductible thinking: a $1,000 deductible saves ongoing premium but means larger out-of-pocket exposure in any claim scenario
Same Traveller, $1,000 Deductible
Insurer | Total Premium (CAD) |
|---|---|
RIMI Standard | $639.00 |
RIMI Enhanced | $727.20 |
Destination Canada | $820.80 |
GMS | $844.20 |
21st Century | $940.32 |
Manulife | $982.80 |
Higher Coverage for Longer Stays
For a 6-month trip at age 65, some families prefer to jump above $100K:
$200,000 available from all 5 insurers, premium roughly 45-60% higher than $100K
$300,000 available from Manulife, RIMI, Destination Canada, GMS
$500K to $1 million, RIMI only, adds further premium
Pre-Existing Medical History
If the 65-year-old traveller has a pre-existing condition even a well-managed, stable condition the enhanced plan tier is what applies. Manulife Plan B, 21st Century Enhanced, Destination Canada Option 1, RIMI Enhanced, and GMS with pre-existing rider are the relevant options. Each insurer applies its own stability period rules before covering the condition.
Compare all options for the specific traveller →
A Note on These Numbers
Prices shown were drawn from the DaddySafe live quote engine in August 2026 for the exact traveller profile described. These are what the engine returned that day not what any specific applicant is guaranteed to receive. Actual quotes vary based on date of birth, province, exact travel dates, coverage, deductible, and any medical disclosures.
Quotes are not binding and do not constitute an offer of insurance. Coverage starts only after the insurer approves the application, the premium is paid, and official documents are issued. Insurers typically update their rate schedules annually.
For a live quote reflecting your traveller's specific details, use the comparison tool at daddysafe.ca/visitors-to-canada.
Frequently Asked Questions
How much does visitor insurance cost for a 65-year-old on a six months Canadian visit in 2026?
For a 65-year-old on a six months visit to Canada with $100,000 coverage, $500 deductible, and no pre-existing conditions disclosed, the DaddySafe quote engine returned options ranging from approximately $678.60 to $1,044.00 CAD across major Canadian insurers as of August 2026. Actual quotes for a specific traveller may differ.
Is visitor insurance required to enter Canada as a visitor?
Visitor insurance is not legally required for most visitors to Canada. However, provincial and territorial healthcare plans do not cover visitors, and unexpected medical costs in Canada can be substantial. Many families choose visitor insurance to bridge that coverage gap.
How is visitor insurance different from Super Visa insurance?
Super Visa insurance is a specific product designed for parents and grandparents on the Super Visa program it requires minimum $100,000 coverage from a Canadian-licensed insurer valid for 365 days. Visitor insurance is a broader product with flexible duration (days to 12 months) for visitors on regular visitor visas or eTAs.
What does visitor insurance typically cover?
Visitor insurance generally covers unexpected medical expenses during the visit, including emergency hospital care, emergency physician visits, diagnostic services, ambulance transportation, and medically necessary prescription drugs related to a covered event. Coverage details and exclusions vary by insurer and plan tier.
Can a 65-year-old with pre-existing conditions get visitor insurance for Canada?
Yes. Most major Canadian insurers offer plans that may cover stable pre-existing conditions, subject to each insurer's stability period requirements. Pre-existing coverage typically costs more than the standard exclusion plan. Coverage is not guaranteed and depends on the condition and its stability history.
Does deductible affect visitor insurance premium?
Yes. A higher deductible generally reduces the premium. Moving from $500 to $1,000 deductible typically reduces the premium by roughly 10-15% for most profiles.
Can I buy visitor insurance after the traveller has arrived in Canada?
Some insurers allow purchase after arrival, and some require purchase before departure. Rules and any waiting period vary by insurer. Options and eligibility depend on the specific insurer.
Can visitor insurance be extended if the trip is prolonged?
Many insurers offer policy extensions from within Canada, subject to their rules. Extension is not automatic and typically requires no claims having been made and insurer approval. Contact your broker or insurer before the current policy expires to inquire about extension.
How does the pricing vary by province?
Pricing is generally similar across most Canadian provinces. Some small variation may exist. Use the DaddySafe comparison tool with the specific destination province to see any variation for the traveller's exact scenario.
How can I get a live quote for a specific traveller?
Visit daddysafe.ca/visitors-to-canada and enter the traveller's exact date of birth, coverage amount, deductible, planned trip start and end dates, destination province, and any pre-existing condition status. All major Canadian insurers appear in a single comparison view.