Canada

Nomad Insurance Canada

(For Canadians digital nomads)

Digital nomad in Canada? Get insured in 24 hours. We offer custom medical insurance plans that cover you for medical bills & emergencies, so you can focus on exploring & working remotely.

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We've got nomads covered in Canada.

Global 24/7 Emergency Help On All Nomad Insurance

With our 24/7 global assistance as a key feature of our nomad insurance, you’re never stranded no matter where your adventures take you. Our support is just a phone call away, making your global travels safer and stress-free.

Customisable Plans for Nomad Lifestyles

Customise your nomad insurance to match your unique lifestyle. Whether you need basic medical cover or comprehensive protection, our flexible plans ensure you pay only for the cover you truly require.

Direct Payments To The Hospital

Our nomad insurance provides direct payments to the hospitals, easing your burden and giving peace of mind. We coordinate directly with medical facilities, so you can focus on your recovery without the stress of upfront costs.

Access To Healthcare Professionals

Even when you’re far from home, medical advice should be at your fingertips. Our nomad insurance includes remote access to certified medical professionals. Consult with specialists, ensuring you receive qualified advice no matter your location.

Healthcare system overview in Canada

Heads up, digital nomads and explorers! Canada’s awesome healthcare system is for citizens and permanent residents only. That means if you’re visiting or working remotely in Canada, you’ll need your own health insurance to cover any medical costs. Canadian healthcare, while excellent, can be pricey. So, unexpected medical bills can put a real damper on your adventures. 

Canadian healthcare system overview

Key Takeaways of Canadian Healthcare for You

High Medical Costs

Canadian healthcare is expensive for visitors. Private insurance helps manage these costs.

No Public Coverage for Visitors

Canada's healthcare is for residents. Get private insurance to avoid high medical bills.

Prescription Costs Covered

Private insurance can help cover prescription medication costs in Canada.

Faster Access to Care

Private insurance may offer quicker access to specialists and treatments.

Choose your nomad insurance for Canadians.

Major Medical

A cost-effective plan with a US $1,000,000 annual limit, covering essential inpatient services. Ideal for basic health needs.

Worldwide Exc. USA Major Medical
Overall Plan Limit (per year) US $1,000,000
Inpatient Benefits
Room and Board including general nursing care Semi-Private
Parental Accommodation (added bed, same room) No Cover
Theatre fees: x-rays, laboratory tests, medicines & drugs, blood & plasma, surgical appliances, rental of wheel chairs Full Cover
Intensive Care (Room and Board including general nursing care) Full Cover
Surgeon's fees including pre & post surgical services US $25,000
Anaesthetist Fees 30% of Surgeon's Fees
Professional Fees including Physician, Specialist, Radiologist, Physiotherapy & Pathologist Fees US $25,000
Rehabilitation Cover No Cover
Kidney Dialysis Full Cover
Oncology Cover US $20,000
Emergency Room Treatment Full Cover
Organ Transplant Cover No Cover
Local Ambulance to Hospital Full Cover
Hospital Cash Benefit US $100
Outpatient Benefits
Outpatient Surgical No Cover
Pre-Hospitalisation No Cover
Post-Hospitalisation No Cover
GP Consultation Fees No Cover
Specialist Consultation Fees No Cover
Prescribed Medication No Cover
Imaging and Lab Tests No Cover
Physiotherapy No Cover
Oncology No Cover
Alternative Therapies Treatment No Cover
Chronic Conditions Benefit No Cover
Wellbeing Benefits
Annual Medical Check-ups No Cover
Vaccinations No Cover
Eye-Test No Cover
Dental Benefits
Emergency Dental (Relief of Pain Only) No Cover
Routine Dental (6 month waiting period) No Cover
Major Dental (6 month waiting period) No Cover
Global Security Benefits
Terrorism US $50,000
Hostage Negotiation Full Cover
Hijacking US $100 Per Day 10 Days
Mugging US $100 Per Day 5 Days
Psychology Benefits
24 Hour Psychology Counselling Full Cover
24 Hour Personal Coaching Full Cover
International Assistance Benefits
24 Hour Emergency Assistance Full Cover
Life Cover
Death Benefit US $10,000
Optional Benefits Where an additional premium has been paid
Evacuation & Repatriation US $100,000

Standard

Offers a US $1,000,000 annual limit and adds limited outpatient coverage up to US $25,000. Includes GP and specialist consultations.

Worldwide Exc. USA Standard
Overall Plan Limit (per year) US $1,000,000
Inpatient Benefits
Room and Board including general nursing care Semi-Private
Parental Accommodation (added bed, same room) No Cover
Theatre fees: x-rays, laboratory tests, medicines & drugs, blood & plasma, surgical appliances, rental of wheel chairs Full Cover
Intensive Care (Room and Board including general nursing care) Full Cover
Surgeon's fees including pre & post surgical services US $25,000
Anaesthetist Fees 30% of Surgeon's Fees
Professional Fees including Physician, Specialist, Radiologist, Physiotherapy & Pathologist Fees US $25,000
Rehabilitation Cover No Cover
Kidney Dialysis Full Cover
Oncology Cover US $20,000
Emergency Room Treatment Full Cover
Organ Transplant Cover No Cover
Local Ambulance to Hospital Full Cover
Hospital Cash Benefit US $100
Outpatient Benefits
Outpatient Surgical US $25,000
Pre-Hospitalisation US $2,000 30 days prior
Post-Hospitalisation US $2,000 30 days prior
GP Consultation Fees US $750
Specialist Consultation Fees US $750
Prescribed Medication US $750
Imaging and Lab Tests US $750
Physiotherapy No Cover
Oncology No Cover
Alternative Therapies Treatment No Cover
Chronic Conditions Benefit No Cover
Wellbeing Benefits
Annual Medical Check-ups No Cover
Vaccinations No Cover
Eye-Test No Cover
Dental Benefits
Emergency Dental (Relief of Pain Only) No Cover
Routine Dental (6 month waiting period) No Cover
Major Dental (6 month waiting period) No Cover
Global Security Benefits
Terrorism US $100,000
Hostage Negotiation Full Cover
Hijacking US $200 Per Day 10 Days
Mugging US $100 Per Day 5 Days
Psychology Benefits
24 Hour Psychology Counselling Full Cover
24 Hour Personal Coaching Full Cover
International Assistance Benefits
24 Hour Emergency Assistance Full Cover
Life Cover
Death Benefit US $10,000
Optional Benefits Where an additional premium has been paid
Evacuation & Repatriation US $100,000

Comprehensive

Features a US $1,000,000 annual limit and full inpatient benefits. Adds extensive outpatient coverage, and $1,000 chronic conditions benefit.

Worldwide Exc. USA Comprehensive
Overall Plan Limit (per year) US $1,000,000
Inpatient Benefits
Room and Board including general nursing care Semi-Private
Parental Accommodation (added bed, same room) Full Cover
Theatre fees: x-rays, laboratory tests, medicines & drugs, blood & plasma, surgical appliances, rental of wheel chairs Full Cover
Intensive Care (Room and Board including general nursing care) Full Cover
Surgeon's fees including pre & post surgical services US $25,000
Anaesthetist Fees 30% of Surgeon's Fees
Professional Fees including Physician, Specialist, Radiologist, Physiotherapy & Pathologist Fees US $25,000
Rehabilitation Cover Full Cover 30 Days
Kidney Dialysis Full Cover
Oncology Cover US $20,000
Emergency Room Treatment Full Cover
Organ Transplant Cover US $100,000
Local Ambulance to Hospital Full Cover
Hospital Cash Benefit US $100
Outpatient Benefits
Outpatient Surgical US $25,000
Pre-Hospitalisation US $2,000 30 days prior
Post-Hospitalisation US $2,000 30 days prior
GP Consultation Fees US $750
Specialist Consultation Fees US $750
Prescribed Medication US $750
Imaging and Lab Tests US $750
Physiotherapy US $750 5 Visits
Oncology US $20,000
Alternative Therapies Treatment US $250 5 Visits
Chronic Conditions Benefit US $1,000
Wellbeing Benefits
Annual Medical Check-ups US $250 25% Co-insurance
Vaccinations US $250 25% Co-insurance
Eye-Test US $250 1 Per Year
Dental Benefits
Emergency Dental (Relief of Pain Only) Inpatient Treatment Only
Routine Dental (6 month waiting period) No Cover
Major Dental (6 month waiting period) US $750 25% Co-insurance
Global Security Benefits
Terrorism US $150,000
Hostage Negotiation Full Cover
Hijacking US $300 Per Day 10 Days
Mugging US $100 Per Day 5 Days
Psychology Benefits
24 Hour Psychology Counselling Full Cover
24 Hour Personal Coaching Full Cover
International Assistance Benefits
24 Hour Emergency Assistance Full Cover
Life Cover
Death Benefit US $10,000
Optional Benefits Where an additional premium has been paid
Evacuation & Repatriation US $100,000

Fully Comprehensive

Offers a US $2,000,000 annual limit with full inpatient and outpatient benefits. Ideal for those seeking comprehensive coverage.

Worldwide Exc. USA Fully Comprehensive
Overall Plan Limit (per year) US $2,000,000
Inpatient Benefits
Room and Board including general nursing care Full Cover
Parental Accommodation (added bed, same room) Full Cover
Theatre fees: x-rays, laboratory tests, medicines & drugs, blood & plasma, surgical appliances, rental of wheel chairs Full Cover
Intensive Care (Room and Board including general nursing care) Full Cover
Surgeon's fees including pre & post surgical services Full Cover
Anaesthetist Fees Full Cover
Professional Fees including Physician, Specialist, Radiologist, Physiotherapy & Pathologist Fees Full Cover
Rehabilitation Cover Full Cover 45 Days
Kidney Dialysis Full Cover
Oncology Cover Full Cover
Emergency Room Treatment Full Cover
Organ Transplant Cover Full Cover
Local Ambulance to Hospital Full Cover
Hospital Cash Benefit US $200
Outpatient Benefits
Outpatient Surgical Full Cover
Pre-Hospitalisation Full Cover
Post-Hospitalisation Full Cover
GP Consultation Fees Full Cover
Specialist Consultation Fees Full Cover
Prescribed Medication Full Cover
Imaging and Lab Tests Full Cover
Physiotherapy Full Cover 10 Visits
Oncology Full Cover
Alternative Therapies Treatment Full Cover 10 Visits
Chronic Conditions Benefit US $10,000
Wellbeing Benefits
Annual Medical Check-ups US $500
Vaccinations US $500
Eye-Test US $250 1 Per Year
Dental Benefits
Emergency Dental (Relief of Pain Only) Full Cover
Routine Dental (6 month waiting period) US $750
Major Dental (6 month waiting period) US $750
Global Security Benefits
Terrorism Full Cover
Hostage Negotiation Full Cover
Hijacking US $500 Per Day
Mugging US $100 Per Day
Psychology Benefits
24 Hour Psychology Counselling Full Cover
24 Hour Personal Coaching Full Cover
International Assistance Benefits
24 Hour Emergency Assistance Full Cover
Life Cover
Death Benefit US $10,000
Optional Benefits Where an additional premium has been paid
Evacuation & Repatriation US $100,000

Why is Nomad Insurance vital in Canada?

Canada boasts a world-class healthcare system, but it’s primarily for residents. As a digital nomad or expat, you won’t have access to this public coverage. This leaves you vulnerable to high medical bills, even for routine care. Nomad insurance becomes vital because it bridges this gap, offering coverage for doctor visits, hospital stays, and emergencies. Some plans even extend to pre-existing conditions, giving you peace of mind and the freedom to explore Canada without worrying about unexpected medical costs.

Average cost of healthcare in Canada

Expect to pay between $50 and $200 for a typical doctor visit, with variations depending on the doctor’s experience and location. Hospital stays can range dramatically, with basic overnight stays costing around $1,000, while complex treatments can reach $10,000 or more. The type of room you choose in the hospital also impacts the cost. Don’t underestimate prescription medication expenses either. Without insurance, common drugs can easily exceed $100 per month. Remember, these are estimates, and your actual costs might be higher or lower. It’s crucial to understand that Canada’s excellent public healthcare system is primarily for residents. As a visitor, you’ll be responsible for these costs upfront.

average cost of nomad insurance thailand

Breakdown of the Costs of Healthcare in Canada (for Expats)

Cost of Hospital Stays

A private room in a private hospital can cost around $300 to $800 per night, excluding any treatments or procedures.

$300-800

Surgery Costs

The cost of surgery can range from several thousand dollars to hundreds of thousands, depending on the complexity of the procedure.

$5,000+

Emergency Dental Cost

A simple tooth extraction can cost around $200, while more complex procedures like root canals can cost around $1,000 to $2,000.

$200-2,000

Prescription Medication Costs

Prescription medication costs can vary depending on the medication, but they can be expensive, especially compared to some other countries.

$50-300+

Diagnostic Test Costs

Diagnostic tests such as blood tests or imaging scans can be expensive. For instance, an MRI scan can cost around $1,000 to $2,000.

$1,000-2,000

Emergency Care Costs

The cost of emergency procedures can vary widely. For example, setting a broken bone can cost around $3,000 to $5,000.

$3,000-5,000

Why choose us?

Experienced insurance brokers

Best rates for nomads

Easy online process

With over a decade in the medical insurance sector, our expertise is tailored to nomads and travel entrepreneurs. We’re not just insurance providers; we’re seasoned travellers ourselves, understanding the unique challenges you face.

Testimonials from real nomads.

Frequently Asked Questions

Yes dear nomads, you can. Just put your current address in and feel free to keep on movin’.

Anywhere in the world except the USA. We recommend purchasing USA-specific travel insurance if you are travelling to the USA. This insurance policy is not suitable for residents of the USA.

You can choose to receive treatment in any country worldwide except the USA.

Yes – as long as your home country isn’t the USA. Apart from the USA, you’re fully covered, nomad-er where you’re from and nomad-er where you go!

No, just once per year on your renewal date. And that can all be done by email, if required.

Yes, cancer treatment (oncology) is covered – you can find full details on our “Compare Cover Levels” page.

Yes, dental treatment is covered under the “Comprehensive” and “Fully Comprehensive” cover levels. You can find full details on our “Compare Cover Levels” page.

Yes, outpatient treatment is covered – you can find full details on our “Compare Cover Levels” page.

Unfortunately, claims cannot be approved if they are either directly or indirectly related to any medical condition or related condition for which you had treatment for, had symptoms of, knew existed, or should have known existed, prior to you starting your medical insurance policy. You are covered for events after you first start your insurance policy.

Terrorism coverage is included on all cover levels and covers any medical treatment needed as a result of terrorism, and any treatment needed for a medical condition sustained as a result of terrorism.

No, this is not necessary. To make the process as simple as possible, once you have gained pre-authorisation for your treatment, the insurance company will contact the hospital to arrange for payment to be made directly.

During an emergency, you may not be in a position to notify the insurance company in advance. If this happens, please contact the insurance company as soon as possible so they can arrange for all payments to be made directly to the hospital, as well as make sure that you are being properly cared for.

Please see the “Claims” page which has full information – and you will also receive the information in soft copy format by email when you start your insurance policy.

Yes, general exclusions apply to all international medical insurance policies. For full details, please see our “T&C’s” page.

No, you can apply and get coverage within 24 hours without the need for a medical examination.

Yes they can, although it generally makes more sense to have a separate policy for each person as it costs the same and gives you the flexibility to choose different cover levels for each person if you wish.

There is a limit to the total value of claims per year, but no limit on the number of claims. For full details, please see our “Compare Cover Levels” page.

Yes, you have a 14-day “cooling off period” during which you can cancel the policy if you want to. This gives you plenty of time to read the full terms and conditions as well as compare the cover and cost of other insurances, and if for any reason you decide it’s not the right one for you, you’ll get a full refund of all premiums paid.

Yes you can choose your own hospital and doctor if you wish, and you may also ask the insurance company for recommendations based on what facilities are offered at different hospitals. If you would like to be treated at a hospital in a different country, you will need the “Global Evacuation & Repatriation” cover, which is an optional add-on to all policies for a small fixed fee.

It’s always good to have travel insurance if you travel frequently – travel insurance and medical insurance are distinctly different types of insurance. Travel insurance will cover you for things like delayed flights, lost baggage etc, whereas international medical insurance covers anything medical related. Whilst all travel insurances and medical insurances differ, as a general rule, the medical cover offered on travel insurance policies has more limitations than full medical insurance policies, and there are often additional clauses which make it unsuitable as a long-term replacement for medical insurance. Always read the small print to see which things aren’t covered!

By Damon

Damon brings to the table a deep-seated understanding and first-hand experience of the complexities surrounding medical insurance, particularly for the globe-trotting nomads and ever-moving business entrepreneurs. Holding a decade's worth of experience in the insurance industry, Damon holds unparalleled expertise and his writings are a reflection of his dedication to helping others find the best, most valuable areas of worldwide medical insurance.

Damon continually enhances his expertise by attending international insurance seminars, ensuring he stays ahead of global trends and changes. His authoritative stance in the field has been recognised not just internally but also externally – with features and mentions in prominent health and insurance publications.

Canada

Medical Insurance Canada.

Overseas in Canada? Don’t risk unexpected medical bills. Our private medical insurance plans offer peace of mind for all visitors and expats. Get coverage for your stay so you can stay focusing on exploring without the stress of healthcare. Get a free quote today!

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Medical insurance coverage for your stay in Canada.

Global 24/7 Emergency Help On All Nomad Insurance

Our global medical insurance includes 24/7 global assistance, ensuring you have access to support anytime, anywhere during your travels. With just a phone call, our dedicated team is ready to assist, providing peace of mind for your health and safety worldwide.

Customisable Plans for Nomad Lifestyles

Tailor your medical insurance to fit your nomadic or expat lifestyle perfectly. Choose from basic to comprehensive medical coverage options with our flexible plans, ensuring you only pay for the healthcare protection you really need while on the move.

Direct Payments To The Hospital

Our medical insurance includes direct hospital payments, relieving you of financial worries during medical emergencies. We handle payments and coordination with healthcare facilities, allowing you to concentrate on your recovery without the stress of immediate costs.

Access To Healthcare Professionals

Our medical insurance ensures that expert medical advice is always within reach, even when you’re far from home. With our coverage, you have remote access to certified healthcare professionals, allowing you to consult with specialists.

Canadian healthcare systems overview

Canada offers a universal healthcare system for its citizens and permanent residents. However, as an overseas visitor or expat, you won’t be eligible for this public coverage. This means you’ll need private medical insurance to access healthcare services in Canada. Now, the cost of healthcare is extremely expensive in Canada, being one of the most prestigious in the world. Unexpected illness or injury can be stressful. Knowing you have comprehensive medical coverage allows you to focus on getting better and enjoying your time in Canada.

Canadian healthcare system overview

Key Takeaways of Canadian healthcare for you

Private healthcare is very expensive

As an overseas visitor or expat, you'll be responsible for medical costs. Private insurance helps manage these expenses.

Public healthcare is not available

Canada's public healthcare system is not accessible to overseas visitors and expats. You'll need private insurance.

Prescription costs can be high

Private insurance can help cover prescription medication costs in Canada.

Faster access to healthcare

Private insurance may offer quicker access to specialists and treatment compared to wait times in the public system.

Our medical insurance coverage.

Major Medical

A cost-effective plan with a US $1,000,000 annual limit, covering essential inpatient services. Ideal for basic health needs.

Worldwide Exc. USA Major Medical
Overall Plan Limit (per year) US $1,000,000
Inpatient Benefits
Room and Board including general nursing care Semi-Private
Parental Accommodation (added bed, same room) No Cover
Theatre fees: x-rays, laboratory tests, medicines & drugs, blood & plasma, surgical appliances, rental of wheel chairs Full Cover
Intensive Care (Room and Board including general nursing care) Full Cover
Surgeon's fees including pre & post surgical services US $25,000
Anaesthetist Fees 30% of Surgeon's Fees
Professional Fees including Physician, Specialist, Radiologist, Physiotherapy & Pathologist Fees US $25,000
Rehabilitation Cover No Cover
Kidney Dialysis Full Cover
Oncology Cover US $20,000
Emergency Room Treatment Full Cover
Organ Transplant Cover No Cover
Local Ambulance to Hospital Full Cover
Hospital Cash Benefit US $100
Outpatient Benefits
Outpatient Surgical No Cover
Pre-Hospitalisation No Cover
Post-Hospitalisation No Cover
GP Consultation Fees No Cover
Specialist Consultation Fees No Cover
Prescribed Medication No Cover
Imaging and Lab Tests No Cover
Physiotherapy No Cover
Oncology No Cover
Alternative Therapies Treatment No Cover
Chronic Conditions Benefit No Cover
Wellbeing Benefits
Annual Medical Check-ups No Cover
Vaccinations No Cover
Eye-Test No Cover
Dental Benefits
Emergency Dental (Relief of Pain Only) No Cover
Routine Dental (6 month waiting period) No Cover
Major Dental (6 month waiting period) No Cover
Global Security Benefits
Terrorism US $50,000
Hostage Negotiation Full Cover
Hijacking US $100 Per Day 10 Days
Mugging US $100 Per Day 5 Days
Psychology Benefits
24 Hour Psychology Counselling Full Cover
24 Hour Personal Coaching Full Cover
International Assistance Benefits
24 Hour Emergency Assistance Full Cover
Life Cover
Death Benefit US $10,000
Optional Benefits Where an additional premium has been paid
Evacuation & Repatriation US $100,000

Standard

Offers a US $1,000,000 annual limit and adds limited outpatient coverage up to US $25,000. Includes GP and specialist consultations.

Worldwide Exc. USA Standard
Overall Plan Limit (per year) US $1,000,000
Inpatient Benefits
Room and Board including general nursing care Semi-Private
Parental Accommodation (added bed, same room) No Cover
Theatre fees: x-rays, laboratory tests, medicines & drugs, blood & plasma, surgical appliances, rental of wheel chairs Full Cover
Intensive Care (Room and Board including general nursing care) Full Cover
Surgeon's fees including pre & post surgical services US $25,000
Anaesthetist Fees 30% of Surgeon's Fees
Professional Fees including Physician, Specialist, Radiologist, Physiotherapy & Pathologist Fees US $25,000
Rehabilitation Cover No Cover
Kidney Dialysis Full Cover
Oncology Cover US $20,000
Emergency Room Treatment Full Cover
Organ Transplant Cover No Cover
Local Ambulance to Hospital Full Cover
Hospital Cash Benefit US $100
Outpatient Benefits
Outpatient Surgical US $25,000
Pre-Hospitalisation US $2,000 30 days prior
Post-Hospitalisation US $2,000 30 days prior
GP Consultation Fees US $750
Specialist Consultation Fees US $750
Prescribed Medication US $750
Imaging and Lab Tests US $750
Physiotherapy No Cover
Oncology No Cover
Alternative Therapies Treatment No Cover
Chronic Conditions Benefit No Cover
Wellbeing Benefits
Annual Medical Check-ups No Cover
Vaccinations No Cover
Eye-Test No Cover
Dental Benefits
Emergency Dental (Relief of Pain Only) No Cover
Routine Dental (6 month waiting period) No Cover
Major Dental (6 month waiting period) No Cover
Global Security Benefits
Terrorism US $100,000
Hostage Negotiation Full Cover
Hijacking US $200 Per Day 10 Days
Mugging US $100 Per Day 5 Days
Psychology Benefits
24 Hour Psychology Counselling Full Cover
24 Hour Personal Coaching Full Cover
International Assistance Benefits
24 Hour Emergency Assistance Full Cover
Life Cover
Death Benefit US $10,000
Optional Benefits Where an additional premium has been paid
Evacuation & Repatriation US $100,000

Comprehensive

Features a US $1,000,000 annual limit and full inpatient benefits. Adds extensive outpatient coverage, and $1,000 chronic conditions benefit.

Worldwide Exc. USA Comprehensive
Overall Plan Limit (per year) US $1,000,000
Inpatient Benefits
Room and Board including general nursing care Semi-Private
Parental Accommodation (added bed, same room) Full Cover
Theatre fees: x-rays, laboratory tests, medicines & drugs, blood & plasma, surgical appliances, rental of wheel chairs Full Cover
Intensive Care (Room and Board including general nursing care) Full Cover
Surgeon's fees including pre & post surgical services US $25,000
Anaesthetist Fees 30% of Surgeon's Fees
Professional Fees including Physician, Specialist, Radiologist, Physiotherapy & Pathologist Fees US $25,000
Rehabilitation Cover Full Cover 30 Days
Kidney Dialysis Full Cover
Oncology Cover US $20,000
Emergency Room Treatment Full Cover
Organ Transplant Cover US $100,000
Local Ambulance to Hospital Full Cover
Hospital Cash Benefit US $100
Outpatient Benefits
Outpatient Surgical US $25,000
Pre-Hospitalisation US $2,000 30 days prior
Post-Hospitalisation US $2,000 30 days prior
GP Consultation Fees US $750
Specialist Consultation Fees US $750
Prescribed Medication US $750
Imaging and Lab Tests US $750
Physiotherapy US $750 5 Visits
Oncology US $20,000
Alternative Therapies Treatment US $250 5 Visits
Chronic Conditions Benefit US $1,000
Wellbeing Benefits
Annual Medical Check-ups US $250 25% Co-insurance
Vaccinations US $250 25% Co-insurance
Eye-Test US $250 1 Per Year
Dental Benefits
Emergency Dental (Relief of Pain Only) Inpatient Treatment Only
Routine Dental (6 month waiting period) No Cover
Major Dental (6 month waiting period) US $750 25% Co-insurance
Global Security Benefits
Terrorism US $150,000
Hostage Negotiation Full Cover
Hijacking US $300 Per Day 10 Days
Mugging US $100 Per Day 5 Days
Psychology Benefits
24 Hour Psychology Counselling Full Cover
24 Hour Personal Coaching Full Cover
International Assistance Benefits
24 Hour Emergency Assistance Full Cover
Life Cover
Death Benefit US $10,000
Optional Benefits Where an additional premium has been paid
Evacuation & Repatriation US $100,000

Fully Comprehensive

Offers a US $2,000,000 annual limit with full inpatient and outpatient benefits. Ideal for those seeking comprehensive coverage.

Worldwide Exc. USA Fully Comprehensive
Overall Plan Limit (per year) US $2,000,000
Inpatient Benefits
Room and Board including general nursing care Full Cover
Parental Accommodation (added bed, same room) Full Cover
Theatre fees: x-rays, laboratory tests, medicines & drugs, blood & plasma, surgical appliances, rental of wheel chairs Full Cover
Intensive Care (Room and Board including general nursing care) Full Cover
Surgeon's fees including pre & post surgical services Full Cover
Anaesthetist Fees Full Cover
Professional Fees including Physician, Specialist, Radiologist, Physiotherapy & Pathologist Fees Full Cover
Rehabilitation Cover Full Cover 45 Days
Kidney Dialysis Full Cover
Oncology Cover Full Cover
Emergency Room Treatment Full Cover
Organ Transplant Cover Full Cover
Local Ambulance to Hospital Full Cover
Hospital Cash Benefit US $200
Outpatient Benefits
Outpatient Surgical Full Cover
Pre-Hospitalisation Full Cover
Post-Hospitalisation Full Cover
GP Consultation Fees Full Cover
Specialist Consultation Fees Full Cover
Prescribed Medication Full Cover
Imaging and Lab Tests Full Cover
Physiotherapy Full Cover 10 Visits
Oncology Full Cover
Alternative Therapies Treatment Full Cover 10 Visits
Chronic Conditions Benefit US $10,000
Wellbeing Benefits
Annual Medical Check-ups US $500
Vaccinations US $500
Eye-Test US $250 1 Per Year
Dental Benefits
Emergency Dental (Relief of Pain Only) Full Cover
Routine Dental (6 month waiting period) US $750
Major Dental (6 month waiting period) US $750
Global Security Benefits
Terrorism Full Cover
Hostage Negotiation Full Cover
Hijacking US $500 Per Day
Mugging US $100 Per Day
Psychology Benefits
24 Hour Psychology Counselling Full Cover
24 Hour Personal Coaching Full Cover
International Assistance Benefits
24 Hour Emergency Assistance Full Cover
Life Cover
Death Benefit US $10,000
Optional Benefits Where an additional premium has been paid
Evacuation & Repatriation US $100,000

Why is private medical insurance important in Canada?

Medical insurance is crucial for overseas visitors and expats in Canada. Public healthcare (Medicare) is not available, leaving you responsible for any medical expenses you incur. Private insurance protects you from unexpected medical costs, including doctor visits, hospital stays, and prescriptions. It can also offer faster access to specialists and treatment compared to wait times in the public system. This peace of mind allows you to focus on enjoying your time in Canada without worrying about potential medical bills.

Average cost of healthcare in Canada

The cost of healthcare in Canada can vary significantly, but here’s a general idea to help you plan: Expect doctor visits to range from $50 to $200, while hospital stays can cost $1000 to $10,000 depending on the complexity of treatment and your chosen room type. Prescription medications can also be expensive, with some common drugs reaching $100+ per month without coverage. Remember, these are estimates, and your actual costs could be higher or lower

average cost of nomad insurance thailand

Breakdown of Healthcare Costs in Canada (for overseas visitors & expats)

Cost of Hospital Stays

Private hospital stays in Canada can vary significantly. A basic stay can cost several thousand dollars, while complex treatments might reach tens of thousands.

$10,000+

Surgery Costs

Surgery costs in Canada depend heavily on the complexity of the procedure. Expect a range of $5,000 to $30,000+, with more complex surgeries potentially exceeding this range.

$5,000+

Doctor's Visit

Doctor visits in Canada can range from $100 to $500 depending on the type of visit (general practitioner vs. specialist) and specialist level.

$50-$200

Prescription Medication Costs

Prescription medication costs in Canada can vary depending on the medication. Some common drugs may cost hundreds of dollars per month without coverage.

$100+

Diagnostic Test Costs

Diagnostic tests like X-rays, blood tests, or MRIs can range from $50 to $500+ depending on the complexity of the test.

$50-$500+

Emergency Room Visit

An initial visit to a Canadian hospital emergency room can vary depending on your medical needs. Expect a range of $100 to $300+.

$100-$300+

Choosing the right medical insurance plan for Canada.

Your Health

If you have existing health issues or expect to need regular medical care, a more comprehensive plan might be best.

Travel Frequency

If you’re constantly on the move, look for a plan with global coverage and international evacuation and repatriation.

Budget

More comprehensive plans will cost more, so balance the level of coverage against what you can afford.

Lifestyle

If you engage in high-risk activities or sports, ensure your plan covers the costs of your medical bills for major injuries. 

Claims process for medical insurance.

Our claims process is streamlined for ease: submit your claim via email, the team reviews it, and once approved, they pay the hospital directly. It’s designed for quick, hassle-free support during your treatment. 

Receive Treatment:

If you’re admitted for inpatient treatment, the hospital will usually contact Medical for Nomads directly.

Claim Submission

For other treatments, you can submit your claim by emailing the necessary documents, which can include photos from your phone.

Claims Review

Medical for Nomads will review your claim to ensure all details are correct and that the treatment is covered under your policy.

Direct Payment

Once your claim is approved, we’ll arrange full payment directly to the hospital or clinic, so you don’t have to pay upfront and claim back later.

Need to renew your medical insurnace?

If it’s time to renew your medical insurance, Medical for Nomads makes it simple. Our policies, designed specifically for global nomads, offer annual coverage with the flexibility to pay monthly, quarterly, or semi-annually. When renewing, you keep the same start date, crucial for assessing pre-existing conditions. Renewing is easy: just visit our website, log in to your account, and follow the prompts to maintain uninterrupted, comprehensive medical insurance coverage. Plus, if you pay in advance, you could save up to 16%.

Why choose us?

Experienced insurance brokers

Best rates for nomads

Easy online process

With over a decade in the medical insurance sector, our expertise is tailored to nomads and travel entrepreneurs. We’re not just insurance providers; we’re seasoned travellers ourselves, understanding the unique challenges you face.

Real testimonials using our medical insurance.

Frequently Asked Questions

Yes dear nomads, you can. Just put your current address in and feel free to keep on movin’.

Anywhere in the world except the USA. We recommend purchasing USA-specific travel insurance if you are travelling to the USA. This insurance policy is not suitable for residents of the USA.

You can choose to receive treatment in any country worldwide except the USA.

Yes – as long as your home country isn’t the USA. Apart from the USA, you’re fully covered, nomad-er where you’re from and nomad-er where you go!

No, just once per year on your renewal date. And that can all be done by email, if required.

Yes, cancer treatment (oncology) is covered – you can find full details on our “Compare Cover Levels” page.

Yes, dental treatment is covered under the “Comprehensive” and “Fully Comprehensive” cover levels. You can find full details on our “Compare Cover Levels” page.

Yes, outpatient treatment is covered – you can find full details on our “Compare Cover Levels” page.

Unfortunately, claims cannot be approved if they are either directly or indirectly related to any medical condition or related condition for which you had treatment for, had symptoms of, knew existed, or should have known existed, prior to you starting your medical insurance policy. You are covered for events after you first start your insurance policy.

Terrorism coverage is included on all cover levels and covers any medical treatment needed as a result of terrorism, and any treatment needed for a medical condition sustained as a result of terrorism.

No, this is not necessary. To make the process as simple as possible, once you have gained pre-authorisation for your treatment, the insurance company will contact the hospital to arrange for payment to be made directly.

During an emergency, you may not be in a position to notify the insurance company in advance. If this happens, please contact the insurance company as soon as possible so they can arrange for all payments to be made directly to the hospital, as well as make sure that you are being properly cared for.

Please see the “Claims” page which has full information – and you will also receive the information in soft copy format by email when you start your insurance policy.

Yes, general exclusions apply to all international medical insurance policies. For full details, please see our “T&C’s” page.

No, you can apply and get coverage within 24 hours without the need for a medical examination.

Yes they can, although it generally makes more sense to have a separate policy for each person as it costs the same and gives you the flexibility to choose different cover levels for each person if you wish.

There is a limit to the total value of claims per year, but no limit on the number of claims. For full details, please see our “Compare Cover Levels” page.

Yes, you have a 14-day “cooling off period” during which you can cancel the policy if you want to. This gives you plenty of time to read the full terms and conditions as well as compare the cover and cost of other insurances, and if for any reason you decide it’s not the right one for you, you’ll get a full refund of all premiums paid.

Yes you can choose your own hospital and doctor if you wish, and you may also ask the insurance company for recommendations based on what facilities are offered at different hospitals. If you would like to be treated at a hospital in a different country, you will need the “Global Evacuation & Repatriation” cover, which is an optional add-on to all policies for a small fixed fee.

It’s always good to have travel insurance if you travel frequently – travel insurance and medical insurance are distinctly different types of insurance. Travel insurance will cover you for things like delayed flights, lost baggage etc, whereas international medical insurance covers anything medical related. Whilst all travel insurances and medical insurances differ, as a general rule, the medical cover offered on travel insurance policies has more limitations than full medical insurance policies, and there are often additional clauses which make it unsuitable as a long-term replacement for medical insurance. Always read the small print to see which things aren’t covered!

By Damon

Damon brings to the table a deep-seated understanding and first-hand experience of the complexities surrounding medical insurance, particularly for the globe-trotting nomads and ever-moving business entrepreneurs. Holding a decade's worth of experience in the insurance industry, Damon holds unparalleled expertise and his writings are a reflection of his dedication to helping others find the best, most valuable areas of worldwide medical insurance.

Damon continually enhances his expertise by attending international insurance seminars, ensuring he stays ahead of global trends and changes. His authoritative stance in the field has been recognised not just internally but also externally – with features and mentions in prominent health and insurance publications.