Most Lenient Pre-Existing Condition Insurance for Visitors to Canada (2026)
The Six Insurers at a Glance
The Canadian visitors to Canada insurance market has six major insurers, each with distinct strengths. Here is the combined comparison:
| Insurer | Stability period | Strengths |
|---|---|---|
| TuGo | 180 days | Long stability period (180 days), strong Chinese-language support, online claims. |
| Manulife | 120 days | Big brand, convenient online purchasing, solid pre-existing condition coverage. |
| 21st Century | 180 days | Strong price competitiveness and a 180-day stability period. |
| GMS | 90 days | Local brand, good pricing on short-term plans. |
| Destination Canada | 180 days | High flexibility and a 180-day stability period. |
| RIMI / Secure Travel | 180 days | Competitive pricing and a 180-day stability period. |
Stability Period Comparison
Stability requirements vary by insurer and age band (roughly 90-365 days).
If the visitor has chronic conditions (high blood pressure, diabetes, etc.), prefer insurers whose required stability period the visitor can meet - the shorter the requirement, the more lenient (90 days is easier than 180 days).
Price Comparison
Insurers with the strongest price competitiveness: 21st Century, RIMI / Secure Travel.
But price varies by age, coverage amount, and length of stay. Enter your specific details in the comparison table to see real prices.
How to Choose
See the comparison table to check all 6 insurers' terms and prices in one place.
Frequently Asked Questions
Which visitors insurance is cheapest?
It varies by traveller, but 21st Century, RIMI / Secure Travel are generally the most price-competitive. Use the comparison table to see real prices.
Which insurer covers pre-existing conditions best?
Stability requirements vary by insurer and age band (roughly 90-365 days).
What separates the six insurers?
Mainly the stability period (90-180 days), price competitiveness, brand recognition, and customer support. Choose based on your specific needs.
Know the rules? Continue with your own numbers
On the comparison page you can adjust age, days, coverage, and more to see prices and terms.
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