How Much Is Travel Insurance for Canada Work Visa in 2025? ($50–$150 Monthly Plans Compared)

Introduction

Getting a job offer in Canada is exciting—but before you pack your bags, there’s one non-negotiable requirement every foreign worker must meet: valid travel health insurance.

Whether you’re applying under the LMIA route, open work permit, or a temporary foreign worker program, having a compliant insurance plan is often mandatory for visa approval and airport entry. But how much does it actually cost? And what’s covered?

In this post, we break down the monthly insurance cost for Canada work visas, what the IRCC requires, the top insurance providers, and how to choose the best plan for your budget and legal safety.

🇨🇦 Do You Really Need Travel Insurance for Canada Work Visas?

Yes. If you’re not immediately covered under provincial health care upon arrival—or if you’re on a temporary or seasonal work visa—private travel health insurance is mandatory.

IRCC requirements usually include:

• Minimum coverage of $100,000 CAD
• Covers hospitalization, emergency care, medical repatriation
• Valid for at least one year or until public health coverage starts
• Must be purchased before arriving in Canada

💸 Travel Insurance Cost for Canada Work Visa in 2025

📝 Note: Prices vary based on age, duration, health condition, and coverage limits. Always get a quote based on your personal details.

🛡️ What Should Your Plan Cover?

To ensure visa approval and peace of mind while in Canada, your insurance should cover:

• Emergency medical treatment
• Hospital stays
• Prescription drugs
• COVID-19-related care
• Medical evacuation to home country
• Repatriation of remains (required by IRCC)

✅ Tips for Choosing the Right Plan

1. IRCC-Compliant Policy: Always check the provider’s certificate of compliance.
2. Duration Matching Visa: Ensure your insurance covers your entire visa term.
3. Renewable Option: Look for policies that allow extension or refund if visa is rejected.
4. Coverage in All Provinces: Some providers only cover specific regions—double check!
5. Emergency Numbers: Make sure there’s a 24/7 helpline in case of hospitalization.

📦 Bonus: Bundled Coverage with Flights

Some visa assistance agencies or employers partner with providers that bundle:

• Travel insurance
• Visa application support
• Flight ticket management

You may want to ask if your employer offers this when confirming your job offer.

Common Questions

Do I need insurance even if I’m healthy?
Yes. Canada’s healthcare is not free for foreign workers until provincial coverage kicks in (can take 3–6 months). Without insurance, hospital bills could exceed $10,000 CAD for emergencies.

What if my employer provides insurance?
You may still need to show initial proof of private insurance for your visa. After arriving, your employer’s policy can take over—if it’s IRCC-compliant.

Can I cancel my policy after getting public health coverage?
Yes. Some providers offer prorated refunds when you cancel mid-policy. Read the terms.

Conclusion

If you’re planning to work in Canada in 2025, don’t overlook the importance of travel insurance. For as little as $50/month, you can secure a plan that satisfies IRCC requirements, protects you in emergencies, and strengthens your visa application.

Remember: no insurance, no visa—it’s that simple. Protect your future, your finances, and your health. Compare providers early and choose a plan that fits your journey.

Disclaimer

Information is based on 2025 updates from IRCC and insurance providers. Always verify details with the insurer before purchase. This post does not constitute legal or medical advice.