How Good is VisitorsCoverage Travel Insurance: Review 2025
Our expert’s opinion on VisitorsCoverage
VisitorsCoverage delivers an extensive portfolio of travel insurance plans for Canadian travellers, featuring the Atlas Series and VisitorSecure, known for flexible coverage limits up to $2,000,000 CAD, payout guarantees on major claims, low or zero-deductible options, and wide premium customization. This versatile approach, with policy selection tailored to trip type and risk profile, enables VisitorsCoverage to outpace standard direct insurers and digital brokers on strengths such as acute onset pre-existing condition coverage and true $0 deductibles for many plans. The platform suits young adults, international students, and budget-conscious travellers seeking tailored protection without restrictive pricing. VisitorsCoverage partners with WorldTrips, a financially strong carrier backed by Tokio Marine Holdings (total assets over $250B USD), and plan risk is underwritten by highly rated insurers (A+ S&P, A++ AM Best). Public satisfaction is exceptional with a 4.7/5 Trustpilot score from 6,700+ reviews, lauded for digital convenience, quick policy comparisons, and responsive support, with most claim decisions finalized within 15–30 days.
- ✅Highly customizable zero or low deductible options per certificate period
- ✅Acute onset of pre-existing conditions coverage up to $100,000
- ✅Full digital application and paperless claim dashboard
- ✅Experienced support with 24/7 multilingual assistance
- ✅$2,000,000 CAD coverage parameter for medical emergencies
- ✅Instant plan comparisons platform-side for all customer types
- ✅Fast and transparent support response— replies within 24 hours
- ❌No routine, preventative or mental health coverage
- ❌No coverage for chronic pre-existing conditions
- ❌No outpatient prescription drug coverage with VisitorSecure
- ❌Medical claims reimbursement can take up to 30 days
- ❌Strict sports/activity exclusions apply
Score- ✅Highly customizable zero or low deductible options per certificate period
- ✅Acute onset of pre-existing conditions coverage up to $100,000
- ✅Full digital application and paperless claim dashboard
- ✅Experienced support with 24/7 multilingual assistance
- ✅$2,000,000 CAD coverage parameter for medical emergencies
- ✅Instant plan comparisons platform-side for all customer types
- ✅Fast and transparent support response— replies within 24 hours
Our expert’s opinion on VisitorsCoverage
- ✅Highly customizable zero or low deductible options per certificate period
- ✅Acute onset of pre-existing conditions coverage up to $100,000
- ✅Full digital application and paperless claim dashboard
- ✅Experienced support with 24/7 multilingual assistance
- ✅$2,000,000 CAD coverage parameter for medical emergencies
- ✅Instant plan comparisons platform-side for all customer types
- ✅Fast and transparent support response— replies within 24 hours
- ❌No routine, preventative or mental health coverage
- ❌No coverage for chronic pre-existing conditions
- ❌No outpatient prescription drug coverage with VisitorSecure
- ❌Medical claims reimbursement can take up to 30 days
- ❌Strict sports/activity exclusions apply
Score- ✅Highly customizable zero or low deductible options per certificate period
- ✅Acute onset of pre-existing conditions coverage up to $100,000
- ✅Full digital application and paperless claim dashboard
- ✅Experienced support with 24/7 multilingual assistance
- ✅$2,000,000 CAD coverage parameter for medical emergencies
- ✅Instant plan comparisons platform-side for all customer types
- ✅Fast and transparent support response— replies within 24 hours
Why trust HelloSafe?
At VisitorsCoverage, a travel insurance expert reviews the general terms and pricing of 42 travel insurance providers operating in Canada each year, to deliver an analysis that is both reliable and impartial. Thanks to this rigor, more than one million users trust VisitorsCoverage every month to insure their trip, and more broadly to support them in making important financial decisions.
VisitorsCoverage Coverages
VisitorsCoverage offers a range of short-stay travel insurance policies abroad, primarily featuring the Atlas Essential, Atlas Travel, and Atlas Premium plans — each differing in medical coverage limits and important extras like baggage, trip interruption, and crisis response, with Atlas Premium providing the highest limits. The VisitorSecure plan targets visitors to North America who may have lower coverage needs or a pre-existing condition risk.
The Atlas plans stand out through their high overall maximum medical coverage (up to $2,000,000 USD) and robust evacuation and repatriation protection, while VisitorSecure offers simple daily-rate plans and acute onset of pre-existing condition coverage up to $100,000 USD.
Strengths include competitive medical coverage limits, evacuation benefits, and acute onset pre-existing coverage, but gaps appear in the absence of robust baggage compensation and exclusion of organized sports, routine care, and chronic conditions.
| Coverage / Plan | AtlasEssential | AtlasTravel | AtlasPremium | VisitorSecure (Plan A) | VisitorSecure (Plan D) |
|---|---|---|---|---|---|
| Plan positioning | Basic health plan | Classic comprehensive | Top-tier with extras | Entry-level, set benefits | High-end, set benefits |
| ✈️ Transport delay (flight, train) | Not covered | Up to $100/day, max 2 days After 12-hour delay | Up to $200/day, max 2 days After 12-hour delay | Not covered | Not covered |
| ? Theft, loss or destruction of luggage | Not covered | Up to $1,000 | Up to $2,000 | Not covered | Not covered |
| ⏱️ Luggage delay | Not covered | Up to $100/day, max 2 days After 12-hour delay | Up to $200/day, max 2 days After 12-hour delay | Not covered | Not covered |
| ? Medical and hospitalization expenses abroad | Up to $1,000,000 | Up to $2,000,000 | Up to $2,000,000 | Up to $50,000 (plan A, 14d-79y) $10,000 (age 80+) | Up to $130,000 (plan D, 14d-59y) |
| ? Medical evacuation (to hospital) | Up to $500,000 | Up to $1,000,000 | Up to $1,000,000 | $50,000 lifetime maximum | $50,000 lifetime maximum |
| ? Extended stay expenses (in case of accident or illness) | Not covered | Not covered | Not covered | Not covered | Not covered |
| ? Repatriation assistance | Up to $25,000 | Up to chosen overall maximum | Up to chosen overall maximum | $25,000 per member | $25,000 per member |
| ❌ Trip cancellation insurance | Not covered | Not covered | Not covered | Not covered | Not covered |
| ⛔ Trip interruption (illness, accident or death) | Not covered | Up to $10,000 | Up to $15,000 | Not covered | Not covered |
| ? Early return (death/hospitalization of a relative) | Not covered | Included in trip interruption | Included in trip interruption | Not covered | Not covered |
| ⚖️ Civil liability abroad | Not covered | Up to $25,000 lifetime max | Up to $100,000 lifetime max | Not covered | Not covered |
| ? Emergency funds advance | Not covered | Up to $10,000 (crisis response) | Up to $100,000 (crisis response) | Not covered | Not covered |
| ?⚖️ Legal assistance and bail bond | Not covered | Not covered | Not covered | Not covered | Not covered |
| ?♂️ Coverage of risky sports and activities | Many exclusions, see policy | Many exclusions, see policy | Many exclusions, see policy | Professional/organized sports excluded | Professional/organized sports excluded |
Essential
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Essential
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After 12-hour delay
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Essential
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After 12-hour delay
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$10,000 (age 80+)
Essential
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Essential
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Essential
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There are other noteworthy benefits with VisitorsCoverage. Notably, the plans can cover the acute onset of pre-existing conditions in some cases (up to $100,000 USD for VisitorSecure, up to overall maximum for Atlas Travel/Premium), a valuable feature for travelers with medical history concerns.
Additional products available on VisitorsCoverage include long-term coverage for expats, students, and annual multi-trip insurance, making it possible to tailor the right insurance for business travelers, frequent flyers, or those relocating abroad.
Take a moment to compare travel insurance plans so you can find the lowest price or the most suitable coverage for your trip.
Compare the best travel insurance policies for freeI compareVisitorsCoverage Exclusions
VisitorsCoverage applies a clear and structured set of exclusions that closely track industry standards for travel insurance, especially regarding pre-existing medical conditions, routine medical care, and high-risk activities.
The exclusion of all cancer treatment and certain outpatient services is stricter than some competitors, while acute onset of pre-existing condition coverage adds a degree of flexibility.
Incidents related to substance use, risky sports, travel to certain destinations, and mental health remain outside standard coverage.
Overall, exclusions are rigorously defined and easy to understand, minimizing the risk of unpleasant surprises at claim time.
| Categories of exclusions | Exclusions |
|---|---|
| ? Medical exclusions |
|
| ? Behavioral exclusions |
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| ? Sports and activity exclusions |
|
| ?️ Geographical exclusions |
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| ? Administrative exclusions |
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- Pre-existing medical conditions (except acute onset)
- Routine exams and preventive care
- Mental health services
- Cancer, HIV/AIDS, sexually transmitted diseases (VisitorSecure)
- Outpatient physical therapy/drugs (VisitorSecure)
- Pregnancy and childbirth
- Congenital or chronic conditions
- Alcohol or drug-related incidents
- Self-inflicted injuries/suicide
- Illegal or unauthorized activities
- Professional or organized sports
- High-risk activities (base jumping, cave diving, etc.)
- Mountaineering above 4,500 m
- Diving without proper certification
- Certain snow sports outside marked trails
- War or civil unrest zones
- Destinations under strong government travel advisory
- Travel undertaken to seek medical treatment
- Claims outside submission deadlines
- Missing or false documentation
- Duplicate claims covered by other insurance
- Expenses above plan maximums
VisitorsCoverage Prices
VisitorsCoverage offers coverage with a broad range of options and flexible deductibles, generally at slightly above-market prices for Canadian travelers.
Their digital platform reduces administrative costs, keeps the subscription process fast, and allows real-time comparison, but the addition of optional coverages can make the total premium higher than many competitors.
Plans like Atlas Premium provide higher coverage limits but at a premium price, while Atlas Essential and VisitorSecure target value-seekers with lower-cost, more basic protection and higher deductibles.
Overall, VisitorsCoverage is best positioned for travelers who want tailored, comprehensive protection with strong service, and are willing to pay a bit more for ease of access and customization.
| Atlas Essential | Atlas Travel | Atlas Premium | VisitorSecure | |
|---|---|---|---|---|
| A solo traveler | $67 | $85 | $124 | $62 |
| A couple | $128 | $162 | $238 | $117 |
| A family of 4 | $242 | $311 | $440 | $226 |
| A group of 6 people | $357 | $452 | $626 | $336 |
These prices are provided for information purposes based on one week of travel in Europe. The cost may vary significantly depending on the specifics of your trip (number of travelers, destination, duration, trip cost, selected options, etc.). We recommend running a simulation on HelloSafe.
Compare the best travel insurance policies for freeI compareVisitorsCoverage Promo Codes
| VisitorsCoverage Promo Codes | Details |
|---|---|
| HelloSafe Promo Code | -5% on your quote |
Note: Promo codes are subject to change. For the latest offers, check our comparison of the best travel insurance providers.
How much will I be reimbursed with VisitorsCoverage?
With VisitorsCoverage’s Premium plan, reimbursements are processed simply: pay your bill, submit your receipts and claim documents, and receive repayment for eligible covered costs after your deductible is applied, all within the plan’s annual limits.
✅ Example 1: Emergency hospitalization in Italy
Total cost: $3,900 (hospital room, surgery, medication)
Deductible to subtract: $100 (per policy period)
Amount reimbursable after deductible: $3,900 – $100 = $3,800
? You receive a reimbursement of $3,800.
ℹ️ The policy covers up to $2,000,000 per accident or illness on the Premium plan. Submit claims within 60 days of treatment.
✅ Example 2: Lost checked luggage during a flight to France
Total value of lost items: $1,500
Deductible already applied earlier in the year
Maximum reimbursement under the plan: $1,500 × 100% = $1,500
? You receive $1,500, subject to the baggage coverage annual limit.
Remaining out-of-pocket: $0
ℹ️ The Premium plan limit for lost luggage is $2,000 per trip, so your entire claim is covered.
✅ Example 3: Trip cancellation for medical emergency
Total cancellation fees: $2,400 (flights, hotels, prepaid activities)
Deductible already met this policy year
Reimbursed amount: $2,400 × 100% = $2,400
? You receive a reimbursement of $2,400.
Remaining out-of-pocket: $0
ℹ️ Trip cancellation on the Premium plan requires proof of a covered event, such as a medical certificate, and must be declared promptly.
VisitorsCoverage Support
VisitorsCoverage stands out for its highly accessible assistance, thanks to 24/7 multilingual customer support and a streamlined online process for both claims and policy management. A helpful international hotline and quick live chat make it practical for urgent situations anywhere in the world. However, there is no dedicated WhatsApp number or mobile app, which limits on-the-go support for some travelers. Advance arrangements for medical payments are available for major emergencies, which provides peace of mind. Turnaround time for claims is generally competitive, especially when documents are complete and submitted online.
| Assistance VisitorsCoverage | Available? | Details |
|---|---|---|
| 24/7 customer service | ✅ | Around-the-clock support via phone, email, and chat. Quick access in emergencies and for claims. |
| WhatsApp number | ❌ | No availability of a dedicated WhatsApp support channel. |
| International phone number | ✅ | A free international number is provided on policies. Contactable worldwide by travelers. |
| Mobile app | ❌ | No mobile application for policy or claims management. All procedures are managed through the website. |
| Number of supported languages | 4 | Support available in English, French, Spanish, and Chinese. Languages listed in the customer service section. |
| Online document upload | ✅ | Fully digital claim and document upload via website. No paper submission required. |
| Average claims processing time | 7–14 | Claims are processed within 7 to 14 days on average. Faster processing for complete digital applications. |
| Teleconsultation | ❌ | No teleconsultation or virtual medical services available yet. |
| Advance on medical expenses | ✅ | Pre-arranged direct payment to hospitals for emergencies. Depends on prior approval and case-by-case review. |
Quick access in emergencies and for claims.
Contactable worldwide by travelers.
All procedures are managed through the website.
Languages listed in the customer service section.
No paper submission required.
Faster processing for complete digital applications.
Depends on prior approval and case-by-case review.
VisitorsCoverage Reviews
| Review site | Rating and number of reviews |
|---|---|
| Trustpilot | 4.7 out of 5, 6,708 reviews |
We analyzed the reviews about VisitorsCoverage.
On the positive side, policyholders who purchased a plan from VisitorsCoverage for their trip often mention:
- A very user-friendly and easy-to-navigate website that simplifies the quote and purchase process.
- An efficient live agent support service that is quick to reply and help resolve issues.
- A strong diversity of plans and coverage options, catering to many different travel needs.
- An overall perception of reasonable pricing for the value and protection received.
- Transparent plan comparisons, making it simple to choose the right policy.
On the negative side, they mention:
- Occasional discrepancies between the quoted price and the final amount charged at payment.
- Intermittent technical issues on the site, such as resetting of selected options during checkout.
- Some reports of delayed responses when seeking clarification about coverage before or after purchase.
- Waiting times in claims processing and customer service during very busy periods.
- Complexities in understanding certain specific policy exclusions without additional support.
Customer testimonial
My checked bag was lost on a flight to Rome. I called the 24/7 assistance line, and they guided me on what to do. I filed the claim for essential purchases through their online portal, which was fairly simple. The reimbursement for €600 (approx. $880 CAD) took a few weeks to process but eventually came through. The insurance worked as advertised, covering my immediate expenses as needed. It was a functional process.
Robert, 45 years old
VisitorsCoverage Contact
| Your need | Contact Method |
|---|---|
| I want to get a travel insurance quote | To subscribe, use our travel insurance comparison tool, select the VisitorsCoverage plan you’re interested in, and request a quote. |
| I need medical assistance | • Phone: 1-800-605-2282 (24/7, for policyholders in the US or with US-based plans) • For other countries: Use the phone on your policy certificate • Provider referrals, document help, or emergencies handled by WorldTrips' assistance team |
| I want to report an incident | • Online: https://worldtrips.my.site.com/MemberPortal • Postal mail: WorldTrips P.O. Box 240358, Apple Valley, MN 55124, USA • Clear description and documentation needed for assessment |
| I want to track a reimbursement | • Online: https://worldtrips.my.site.com/MemberPortal • Attach claim form, receipts, and supporting documents • Typical reimbursement time: 7–14 days • Payment by bank transfer or cheque |
• For other countries: Use the phone on your policy certificate
• Provider referrals, document help, or emergencies handled by WorldTrips' assistance team
• Postal mail: WorldTrips P.O. Box 240358, Apple Valley, MN 55124, USA
• Clear description and documentation needed for assessment
• Attach claim form, receipts, and supporting documents
• Typical reimbursement time: 7–14 days
• Payment by bank transfer or cheque
FAQ
What type of traveller is VisitorsCoverage best for?
VisitorsCoverage is well-suited for non-residents of Canada visiting internationally or for Canadians with families living abroad who want them covered while visiting. It offers plans for tourists, students, and business travellers. Always check eligibility before purchase, as many plans are not available for those permanently residing in Canada.
What benefits are included in VisitorsCoverage travel insurance?
Most policies include medical coverage for illness or injury, emergency medical evacuation, trip interruption, lost baggage, accidental death, and repatriation benefits. Some plans also cover travel delays and basic outpatient care. Coverage limits vary, so review specific plan details for the coverage ceiling and any restrictions.
Does VisitorsCoverage cover pre-existing conditions?
Standard policies do not cover chronic, congenital, or gradually worsening pre-existing conditions. Limited benefits for the “acute onset” of a pre-existing medical condition may be available, generally with age and time-based restrictions. Read your plan carefully or contact customer service for clarifications on your medical history.
How do I submit a claim with VisitorsCoverage?
Claims are submitted online through the WorldTrips member portal or by postal mail, attaching all medical and payment documents. The standard processing time is 7–14 days after receipt of a complete file. Reimbursements are issued by bank transfer or cheque, depending on your preference and documentation submitted.
What is the average cost of a VisitorsCoverage policy for travellers from Canada?
Pricing varies depending on the duration, age, coverage level, and destination. Typically, plans start from around $60–$120 CAD per week for a healthy adult under 50 on a basic plan. Premium plans and coverage for older travellers or high-risk regions will cost more. Always use the quote tool for an exact amount in Canadian dollars.
What is not covered by VisitorsCoverage insurance?
Exclusions generally include regular pregnancy care, routine or preventive medical exams, mental health disorders, hazardous sports or adventure activities, routine prescriptions, and travel against official government advisories. Each plan has a detailed exclusion list—review it carefully if you have specific needs or unique trip elements.
How do I access emergency assistance while travelling?
Call the emergency assistance number listed on your policy certificate, available 24/7. Assistance teams can help coordinate medical care, arrange hospital admissions, provide travel document replacement, and refer local doctors or pharmacies. Always carry your insurance documents for fast support and identification.
What type of traveller is VisitorsCoverage best for?
VisitorsCoverage is well-suited for non-residents of Canada visiting internationally or for Canadians with families living abroad who want them covered while visiting. It offers plans for tourists, students, and business travellers. Always check eligibility before purchase, as many plans are not available for those permanently residing in Canada.
What benefits are included in VisitorsCoverage travel insurance?
Most policies include medical coverage for illness or injury, emergency medical evacuation, trip interruption, lost baggage, accidental death, and repatriation benefits. Some plans also cover travel delays and basic outpatient care. Coverage limits vary, so review specific plan details for the coverage ceiling and any restrictions.
Does VisitorsCoverage cover pre-existing conditions?
Standard policies do not cover chronic, congenital, or gradually worsening pre-existing conditions. Limited benefits for the “acute onset” of a pre-existing medical condition may be available, generally with age and time-based restrictions. Read your plan carefully or contact customer service for clarifications on your medical history.
How do I submit a claim with VisitorsCoverage?
Claims are submitted online through the WorldTrips member portal or by postal mail, attaching all medical and payment documents. The standard processing time is 7–14 days after receipt of a complete file. Reimbursements are issued by bank transfer or cheque, depending on your preference and documentation submitted.
What is the average cost of a VisitorsCoverage policy for travellers from Canada?
Pricing varies depending on the duration, age, coverage level, and destination. Typically, plans start from around $60–$120 CAD per week for a healthy adult under 50 on a basic plan. Premium plans and coverage for older travellers or high-risk regions will cost more. Always use the quote tool for an exact amount in Canadian dollars.
What is not covered by VisitorsCoverage insurance?
Exclusions generally include regular pregnancy care, routine or preventive medical exams, mental health disorders, hazardous sports or adventure activities, routine prescriptions, and travel against official government advisories. Each plan has a detailed exclusion list—review it carefully if you have specific needs or unique trip elements.
How do I access emergency assistance while travelling?
Call the emergency assistance number listed on your policy certificate, available 24/7. Assistance teams can help coordinate medical care, arrange hospital admissions, provide travel document replacement, and refer local doctors or pharmacies. Always carry your insurance documents for fast support and identification.
