Visitor insurance coverage amounts: $50,000 vs $100,000 vs $150,000

Buy $100,000 for any visitor over 50 and $150,000 for a parent over 65. Ontario hospitals bill non-residents $3,750 to $4,005 a day on a ward and $4,500 to $15,642 a day in intensive care, with physician fees on top, per Niagara Health and Queensway Carleton. At those rates $50,000 covers about 12 ward days, $100,000 about 25 and $150,000 about 37. For a 60-to-79-year-old, PolicyAdvisor prices the step from $100,000 to $150,000 at about $25 to $50 a month. The trip length does not change the size of the emergency.

How many hospital days does each amount buy?

Twelve to 40 on a ward, and as few as three in intensive care. The figures below divide each coverage amount by the published daily rate and ignore physician fees, diagnostics, drugs and the emergency visit, all of which are billed on top.

Hospital days per coverage amount, Ontario non-resident rates, 2026-27 schedules — physician fees extra.

The CP24 case is the calibration point: $96,311 for almost three weeks at Hamilton General, including time on a ventilator, for an 88-year-old visitor. Her family had bought $100,000. A stroke, a hip fracture with surgery, or pneumonia needing ventilation in a parent over 70 routinely runs two to three weeks.

What does each amount cost?

Less than age does. The step from $50,000 to $100,000 costs more than the step from $100,000 to $150,000, because most claims are small and the top layer is rarely used. The figures are PolicyAdvisor’s monthly ranges for a healthy visitor on a 30-to-180-day policy.

Monthly premium ranges, healthy visitor, 30 to 180 days, PolicyAdvisor, Feb 2026 — verify at quote time.

For a 70-year-old on a six-month stay, $150,000 instead of $100,000 is roughly $150 to $300 more for the term. One extra ward day costs $3,750 to $4,005. Full age-by-age pricing at $100,000 is on the cost page.

Which carriers sell which amounts?

Every carrier in our comparison sells $100,000; the upper limits range from $150,000 at GMS to $500,000 at Allianz. Limits narrow at older ages, and Travelance drops to $100,000 from age 70.

Coverage amounts available, visitors to Canada plans, as published Oct 2026 — verify at quote time.

For a parent over 80, the grandparents over 80 page lists which carriers still sell which amounts.

Does the headline amount include repatriation?

No. Repatriation for treatment, return of remains and burial at the place of death are separate benefits with their own caps, and the caps differ by a factor of ten between carriers. For a parent from India, the Philippines or Nigeria, an air ambulance home can exceed the lowest caps on its own.

Transport and death benefits, as published Oct 2026 — verify at quote time.

Sources: carrier pages linked in the table above. A $150,000 policy with a $5,000 repatriation cap and a $100,000 policy with repatriation up to the sum insured are different products. The difference matters for a parent who would want to be flown home after a stroke.

Which amount for which visitor?

$100,000 for anyone over 50, $150,000 for a parent over 65 or with any pre-existing condition, and $300,000 where the carrier offers it for a parent over 75. Choose the amount before the deductible; the amount decides whether the policy works, the deductible only trims the price.

The amount is per policy period and does not reset between claims. A parent who uses $60,000 on a fall in month two has $40,000 left on a $100,000 policy for the rest of the stay. Raising the limit mid-term needs a new policy and, at Manulife, a 7-day waiting period. Buy the right amount on day one, then read what is not covered so the amount is actually available when it matters.

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.