Which Insurance Do I Need? – Orientation Guide
Find the right type of insurance for your situation: visitor to Canada, international student, snowbird, self-employed, parent of dependents. Protecto guide.
The right insurance depends on your situation. Find yours below. Each case leads to the Protecto coverage that fits.
You're arriving in or visiting Canada
Without provincial health coverage
You are visiting Canada temporarily
If you are coming to Canada for a limited period (tourism, family visit, business), you need medical insurance for visitors. Provincial plans do not cover non-residents.
Super Visa InsuranceYour parents are applying for a Super Visa
The Super Visa requires medical insurance of at least $100,000, valid for a minimum of one year, from an insurer eligible under IRCC rules. This insurance must be purchased before the visa application.
International Student InsuranceYou are studying in Canada with a study permit
In several provinces (Ontario, Quebec), international students do not have access to provincial plans. Your institution may also require proof of insurance.
Foreign Worker InsuranceYou are working in Canada with a work permit
Provincial coverage is often available after a 3-month waiting period. In the meantime, or if your permit does not grant access, private insurance is necessary.
You're travelling as a Canadian
Out of province or abroad
You are traveling outside your province or Canada
Your provincial plan covers very little outside the province and virtually nothing abroad. Emergency medical coverage is recommended for any trip.
Snowbird Travel InsuranceYou spend the winter in Florida or the South
Extended winter stays require specialized plans with longer coverage periods and options for pre-existing conditions.
Medical Insurance for ExpatriatesYou live abroad more than 6 months per year
Provincial coverage may be suspended if you exceed the maximum absence period. Expatriate insurance provides continuous long-term protection.
Health, life and income protection
For you and your loved ones
You do not have an employer group plan
Medications, dental care, physiotherapy, psychology: these expenses are entirely your responsibility without group coverage.
Life InsuranceYou have people who are financially dependent on you
If your death would have a financial impact on your spouse, children or business, life insurance should be considered.
Disability InsuranceYou want to protect your income in case of prolonged illness
About one in three Canadians will experience a period of disability before age 65. Disability insurance pays a monthly replacement income during incapacity.
Critical Illness InsuranceYou want a financial safety net in case of serious illness
A tax-free lump sum upon diagnosis of cancer, stroke, heart attack or other covered critical illnesses.
