Visitor insurance for grandchildren and minors visiting Canada

Children visiting Canada can be insured from 15 days old at Allianz, Destination and Travelance and from 30 days at Manulife, with no medical questions. The lowest-cost route is a family policy: TuGo’s Family and Friends rate covers up to six dependent children with two adults aged 59 or under, and Travelance charges twice the eldest person’s premium for the whole family. A child insured alone costs about $45 to $75 a month for $25,000 and $65 to $110 for $100,000, per PolicyAdvisor’s ranges for ages 0 to 40.

Why insure a child visiting Canada?

Because children have accidents, and a non-resident child is billed like any other non-resident. A fracture, a fever that becomes an admission, or an appendectomy runs to thousands of dollars at the $3,750-a-day ward rate in Ontario. IRCC does not require insurance for a child’s visitor visa or eTA, only a letter authorizing the minor to travel where applicable.

What is the minimum age at each carrier?

Two weeks to one month. Newborns travelling in their first month need a carrier with a 15-day minimum.

Minimum and maximum ages, carrier pages as read 18 Oct 2026 — confirm with the insurer at quote time.

What does a child’s policy cost?

Little, because the day rate at the youngest ages is the lowest on the grid. PolicyAdvisor’s ranges for ages 0 to 40 are $45 to $75 a month at $25,000, $55 to $90 at $50,000 and $65 to $110 at $100,000. On a family rate the marginal cost of a child is often nil.

Monthly premium ranges, healthy visitor aged 0 to 40, 30 to 180 days, PolicyAdvisor, Feb 2026 — verify at quote time.

The three-week figures are our arithmetic and indicative only. For a child, $100,000 is sensible: the premium difference from $50,000 is small and a paediatric ICU admission is as expensive as an adult one.

What do the plans cover for a child?

Emergency medical treatment, injuries from the effective date, emergency dental from an accident, and in some plans benefits for the accompanying parent. Benefits worth checking for a child are listed below.

Routine care is never covered: vaccinations, check-ups, developmental assessments and orthodontics are excluded on every plan. The exclusions page has the full list.

Are a child’s pre-existing conditions covered?

Only if stable, like an adult’s. A child with asthma on an unchanged inhaler for 180 days is covered for an asthma attack at a 180-day carrier; a child whose inhaler was changed last month is not. No questionnaire is asked, so the test is applied at claim time from the medical records. Keep the medication list with the certificate.

Practical steps for a child’s policy

Buy before the flight, name the child exactly as in the passport, and give the parent or grandparent travelling with the child the assistance number.

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.