How Much Is Visitor Insurance for a 60-Year-Old Visiting Canada for 1 Month? (2026)
How much visitor insurance costs for a 60-year-old on a 1-month Canadian trip in 2026 full breakdown from all major Canadian insurers.
How Much Is Visitor Insurance for a 60-Year-Old Visiting Canada for 1 Month? (2026)
For a 60-year-old visiting Canada for one month with $100,000 medical coverage and a $500 deductible, quotes across major Canadian insurers in August 2026 came in between $92.70 and $153.00.
That is a $60.30 difference between the cheapest and most expensive option for the exact same traveller on the exact same dates. Below is the full breakdown from each insurer, followed by what that difference actually means in practice.
The Numbers, Sorted Cheapest to Most Expensive
Insurer | Total Premium (CAD) |
|---|---|
RIMI Standard | $92.70 |
Destination Canada | $101.40 |
RIMI Enhanced | $105.60 |
GMS | $120.00 |
21st Century | $130.05 |
Manulife | $153.00 |
What the Spread Means
$60.30 may not sound like a lot on a short trip, but the ratio tells the real story: the most expensive option is roughly 65% higher than the cheapest for the same coverage. That kind of variance across similar-looking plans is exactly why comparing before purchasing is the whole point.
A Higher Deductible: How Much It Actually Saves
Choosing $1,000 deductible instead of $500 deductible reduces the premium for this profile. Here are the same insurers at the higher deductible:
Insurer | Total Premium (CAD) |
|---|---|
RIMI Standard | $87.30 |
Destination Canada | $95.40 |
RIMI Enhanced | $99.30 |
GMS | $111.90 |
21st Century | $122.40 |
Manulife | $144.00 |
Coverage Beyond $100K
The above uses the standard $100,000 baseline. Higher coverage $150K, $200K, $300K is available from most insurers if desired. RIMI is the only insurer in the Canadian market currently offering up to $1 million for visitor insurance.
If the Traveller Takes Daily Medication
The quotes above assume no pre-existing conditions were disclosed. If the traveller takes daily medication for anything (blood pressure, cholesterol, thyroid), the enhanced/pre-existing plan tier of each insurer should be considered instead. Pre-existing coverage generally costs more, and each insurer has its own stability period rules before covering the condition.
Get a live quote for your 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 60-year-old on a one month Canadian visit in 2026?
For a 60-year-old on a one month visit to Canada with $100,000 coverage, $500 deductible, and no pre-existing conditions disclosed, the DaddySafe quote engine returned options ranging from approximately $92.70 to $153.00 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 60-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.