How much is visitor insurance for a 2-month trip to Canada?

A two-month visitor plan costs about $266 for a 65-year-old and $480 for a 75-year-old for $100,000 of coverage without pre-existing conditions, or $337 and $658 with stable conditions covered. Those figures are PolicyAdvisor’s October 2026 monthly rates divided by 30 and multiplied by 60. A sibling of 45 pays about $203. Buy the arrival date to the departure date plus three days, set the effective date to the flight, and keep the deductible at $0 or $500.

A worked example: a 65-year-old mother, 1 December to 30 January

She arrives in Toronto on 1 December and flies home on 30 January: 61 days inclusive. She takes one blood pressure tablet, unchanged for two years. Her daughter in Mississauga buys 64 days of cover, $100,000, $0 deductible, on a plan that covers stable pre-existing conditions.

The market average and the carrier figure differ slightly because PolicyAdvisor’s by-age table and its carrier table were compiled on different dates. Both are indicative; the quoter gives the exact day rate. Hospital rates are from Niagara Health and Queensway Carleton.

What does 60 days cost at each age?

Between $203 and $810 without pre-existing cover, and between $231 and $908 with it, across the ages families most often insure. Age is the main driver; the day rate roughly doubles between 55 and 75.

Estimated premium, $100,000 coverage, 60 days, $0 deductible, derived from PolicyAdvisor’s 30-day rates (modified 12 Oct 2026) — verify at quote time.

PolicyAdvisor’s cost guide gives $300 to $600 as the range for trips of 31 days or more across all ages; the table above is the better budgeting tool because it separates age.

What does 60 days cost at each carrier?

From about $342 to $544 for a 65-year-old with stable pre-existing cover, using PolicyAdvisor’s carrier monthly rates doubled. The spread between carriers is wider than the spread between deductibles, so compare carriers first.

Estimated premium, $100,000 coverage, 60 days, stable pre-existing conditions covered, monthly figure × 2 from PolicyAdvisor’s carrier tables (modified 16 Sep 2026) — verify at quote time.

Lowest of the six carriers compared on 18 October 2026 for a 65-year-old with stable pre-existing conditions: Secure Travel at about $342 for 60 days. GMS, TuGo and Manulife figures are annual premiums divided by six, so the true 60-day price may differ. Each carrier’s stability period and age limit are on the pre-existing conditions page.

Should I buy 60 days or two 30-day policies?

One 60-day policy. The price is the same because plans are priced per day, but a renewal or extension is granted only if no claim has been made and health has not changed. GMS extends only if no insured person needed medical treatment during the coverage period; Manulife requires no event that could lead to a claim.

If the return date is uncertain, buy longer and claim a pro-rata refund on early return; see how long the policy should be.

How much does a deductible save on a two-month policy?

About $51 at $500 and $118 at $5,000 on a $337 premium, using the 15% and 35% discounts published by Manulife and matched by 21st Century. The saving is small in dollars because the premium is small; the exposure is the full deductible on the first claim.

Travelance (Old Republic Insurance Company of Canada) discounts 15% at $500 and 30% at $1,000 to age 59. The deductibles page has the full break-even table.

What should be in place before the flight?

The certificate, the assistance phone number and a movable start date. Buy after the visa is approved, so there is nothing to cancel; a policy bought after arrival carries a 72-hour illness wait at Manulife and 2 days at GMS. The how to buy page lists what the quoter asks for.

1. Visa or eTA approved and flight booked.
2. Policy bought with the effective date equal to the arrival date and the term equal to the return date plus three days.
3. Medical questionnaire answered with the parent on the phone and the pharmacy record open.
4. Certificate PDF emailed to the parent and printed for the carry-on.
5. Assistance line number saved in the parent’s phone and the host’s phone.
6. If the dates change, the effective date moved before coverage begins.

For a visit that could stretch past two months, read the 6-month trip page; the authorized stay is normally six months, and over-buying costs only a cancellation fee.

SuperVisaDirect is operated by Super Visa Direct Insurance Services, an independent Ontario life and accident-and-sickness insurance agency licensed by FSRA (licence [FSRA-LICENCE]). We serve Ontario residents; other provinces are planned for 2028. Email [email protected] or request a callback, Monday to Friday, 8:00am to 6:00pm Eastern Time.