Atlas Travel Medical Insurance Canada

Government of Canada

Coronavirus (COVID-19) information

Coronavirus Travel restrictions and exemptions

Tokio Marine HCC-MIS

How Coronavirus Affects Your Coverage

If You Purchased Your Atlas Policy on Or After July 15, 2020 : Your plan will cover eligible medical expenses resulting from COVID-19/SARS-CoV-2.  

Are you going to Canada for tourism, visiting families or friends, business, work, study or other purposes?  There are risks associated with international travel. No matter how long or short your trip, make sure you have adequate health insurance. 


Medical treatment in Canada is of high standard. International visitors and non-residents are not covered by the Canadian government’s public health insurance. You have to pay for your health care expenses should you encounter an injury or unexpected illness. It’s important to have insurance to cover possible emergencies when you travel to Canada. 


Canada health care

Canada has a universal health care system funded through tax. Canadian citizens and residents can access medically necessary hospital and physician services for free through their provincial Medicare public health programs. 


If you are eligible for Canada’s public health insurance, you can apply for a provincial health card. With a valid health card, when you go to a hospital or doctor’s office, you do not need to pay for covered hospital or physician services.  


Visitors and non-residents from other countries are not covered by the Canadian government’s public health insurance. If you become sick or have an accident, the Canadian government will not pay your medical expenses, you must pay for medical treatment at point of service by yourself.  


Health care can be expensive for visitors and non-residents.  You can expect to pay CA$500~$1,000 for a hospital emergency room visit.  A hospital stay may cost as much as CA$5,000 per day, and a simple surgery may cost CA$20,000 or more.  


In the event of injury or sickness,  these medical bills can result in a heavy financial burden. It’s important to have travel medical insurance to protect against the costs that can incur from unexpected medical and travel emergencies when you travel to Canada.  


Travel Medical Insurance for Visitors to Canada

Atlas Travel Medical Insurance is an insurance policy that provides comprehensive medical and travel benefits to international visitors and non-residents in Canada.


Atlas travel insurance pays eligible medical expenses including treatment at doctor's offices, hospitals, surgery, laboratory and imaging services, prescription drugs, ambulance, and more. 


Emergency Medical Evacuation benefit pays emergency air and/or ground transportation to bring a patient with life-threatening condition to the nearest qualified hospital or back to their home country if necessary. 


Atlas insurance also pays eligible expenses for unexpected travel events such as Trip Interruption, Natural Disaster, Lost Luggage,  Accidental Death & Dismemberment or Common Carrier Accident Death, and more.


More about Atlas Travel Medical Insurance’s medical and travel benefits.


Who should get Travel Medical Insurance while visiting Canada? 

The Canadian government recommends that visitors and non-residents going to Canada get health insurance coverage before they visit the country.  


For example: 

  • tourists and leisure travelers to Canada;
  • parents or relatives visiting their children, family, or friends in Canada;
  • business visitors who travel to Canada for conferences, trade shows, business meetings, or short-term training;
  • work visa holders who are in Canada for short-term work;
  • au-pairs or foreign nannies;
  • international students/ scholars attending schools, seminars, language-training or exchange programs in Canada;


Some people may need to apply for Canada’s public health insurance after landing in Canada, and wait up to three months to become eligible. When you travel to Canada, you can obtain travel medical insurance to fill in the coverage gap.


For example:

  • Expats who go to Canada for employment. Some provinces provide public health care to eligible international workers  (eligibility requirements vary between provinces).  
  • International students or visiting scholars who go to Canada to study or work. Some provinces provide public health care to eligible students or visiting scholars (eligibility requirements vary between provinces). 
  • Canadian citizens living abroad who return to Canada are not immediately entitled to Medicare coverage. You need to reapply for your provincial health card and wait to become eligible.  
  • New immigrants to Canada are not immediately covered by public health insurance. You need to apply for provincial health card and wait to become eligible.


How much does travel medical insurance cost?   

The cost of your insurance policy is generally determined by your age, length of coverage, and type of plan you choose.   


Go to Tokio Marine HCC-MIS Atlas Travel Medical Insurance quote page, enter your desired insurance coverage dates and birthdate, you can get an instant free quote.


Atlas Travel Medical Insurance provides worldwide coverage. If you travel to more than one country, you will be covered no matter where you go.

If you travel to Canada, select "Worldwide, excluding U.S.”. 

If your travel includes Canada and United States, select “Worldwide, including U.S.”.   

Then fill in your desired coverage start /end dates and birthdate, click “Get Quote Now”. You will see an instant quote. 

You can apply for coverage from a minimum of 5 days up to one year and coverage extensions are available.


Atlas Travel Medical Insurance is an affordable visitor health insurance with comprehensive coverage. Whether you are looking for a cheap travel medical insurance policy, or a plan with best travel medical insurance coverage, you can customize and select a policy that aligns your budget with needs. 


After completing a simple online enrollment process, you can receive confirmation of coverage and policy documents immediately.


Atlas travel medical insurance is available to individuals, families, and groups from over 180 countries.  You need to apply while you are outside Canada.  


More about how to select and apply for Atlas Travel Medical Insurance



Atlas Travel Medical Insurance plan administrator Tokio Marine HCC Medial Insurance Services (HCC-MIS) is a top rated visitor insurance provider. It is a subsidiary of Tokio Marine HCC, a leading specialty insurance group. Tokio Marine HCC holds a financial strength rating of AA- (Very Strong) by Standard & Poor's and Fitch Ratings and A++ (Superior) by A.M. Best Company. Atlas insurance is underwritten by Lloyd's of London, one of the oldest and largest underwriters in the world.


Tokio Marine HCC -MIS Group 

North Illinois Street 251 

Suite 600 

Indianapolis, Indiana

United States, 46204