IA Hospital Medical Care Visitors Insurance

Underwritten by Industrial Alliance and administered by TIS Insurance Specialists, this policy is less well known, but aggressively priced for the visitors to Canada market.


  • Priced competitively for policies with or without pre-existing conditions coverage.
  • Trip break permitted for those travellers that may need to return home quickly without cancelling and repurchasing policies.
  • Deductible applies per trip, not per claim.
  • Offers companion and returning customer discounts.


  • Limited secondary benefits.
  • 5-day waiting period on illness and injury benefits if purchased after arrival in Canada.
  • No coverage for travel outside Canada.
  • Stability period for pre-existing conditions is 365 days.
  • Higher admin fee for cancellations.