Toronto Hospital Rates for Visitors, Side by Side
Three Toronto hospitals publish what they charge patients from outside Canada. Pick one and set the days to see what a stay would cost.
| Hospital | ER visit | Ward / day | ICU / day |
|---|---|---|---|
| Scarborough Health Network (uninsured and out-of-country) | $794.00 | $3,058.00 | $7,814.00 |
| Michael Garron Hospital (out-of-country) | $1,025.00 | $3,100.00 | $4,500.00 |
| Sunnybrook (non-OHIP, acute medical) | Not published | $4,100.00 | $6,400.00 |
Hospital charges only; most doctors bill separately (Michael Garron's ER rate includes the ER physician). Sunnybrook doesn't list an ER rate and asks for a $10,000 deposit at admission. At SHN's rate, 13 days in ICU is about $101,600, more than the Super Visa minimum.
Sources: Scarborough Health Network: Hospital fees · Michael Garron Hospital: Hospital fees · Sunnybrook: Non-OHIP patients
Toronto Hospitals Your Parents Might Use
Billing rules differ from hospital to hospital. North York General says no one, including people without OHIP, will be denied emergency care.
Sources: Sunnybrook: Non-OHIP patients · UHN: Accounts receivable · North York General: Admission and discharge · Humber River Health: Wilson site renamed (April 10, 2026)
What Super Visa Insurance Costs
13 plans from our live quote engine on October 17, 2026: age 66, $100,000 of coverage, $0 deductible, no pre-existing condition coverage.
Toronto's Families From Everywhere
Nearly half of Toronto was born outside Canada, so we meet parents coming from every corner of the world.
The Philippines, China and India are the top places of birth for Toronto immigrants. Tamil, Urdu, Bengali, Gujarati, Hindi and Punjabi are all spoken by tens of thousands of residents. Gerrard India Bazaar on Gerrard Street East has served South Asian families since the 1970s.
Talk to Pankaj in your language
English, Hindi, Punjabi or Urdu. Tap a button to start a WhatsApp message in that language.
Sources: City of Toronto 2021 Census backgrounder: Immigration · City of Toronto 2021 Census backgrounder: Language · Heritage Toronto: Gerrard India Bazaar
Getting Your Parents Home From the Airport
Most parents arrive at Pearson; some connect into Billy Bishop downtown.
UP Express to Union
The UP Express takes about 28 minutes from Pearson to Union Station, every 15 minutes, with stops at Weston, Mount Dennis and Bloor.
Billy Bishop shuttle
Billy Bishop's free shuttle runs to the Fairmont Royal York across from Union Station, about every 15 minutes.
Coverage from landing day
The policy must start on the day your parent arrives. Keep the insurer's 24/7 number handy for the first week, when jet lag and new routines make falls more likely.
Sources: UP Express: About · Billy Bishop Airport: Shuttle
Do You Meet the Super Visa Income Requirement?
Uses IRCC's minimum necessary income table (updated July 29, 2025) and the two ways to qualify in effect since March 31, 2026.
A guide only, not an immigration decision. Option 1 uses either of the two tax years before you apply (proof: CRA notice of assessment). Option 2 needs your income to reach 75% of the minimum, with your parent's continuing income covering the rest. Only a spouse or common-law partner can co-sign. IRCC income rules.
Getting Around Toronto at 65+
$2.25 with PRESTO or $2.30 cash for riders 65+. The senior fare type is set up in person with proof of age. Senior monthly passes ended August 31, 2026; rides are now free after 47 paid trips in a month.
The TTC lists Ontario ID for proof of age and doesn't mention passports. Ask at a TTC customer service outlet before relying on the senior fare.
Biometrics for an extension are given at a Service Canada office by appointment, booked through eServiceCanada.
Sources: TTC: Fare types and discounts · IRCC: Where to give biometrics
Toronto Families: Call, WhatsApp or Visit
Our office is on Solar Drive in Mississauga, near Pearson and Highway 401. Most Toronto families do everything by phone or WhatsApp; we email the policy and payment proof for the IRCC application the same day.
Insure In Canada Inc.
205-5250 Solar Drive, Mississauga, ON L4W 0G4
Cell and WhatsApp: 647-640-2222
Office: 905-624-2244
Email: pankaj@insureincanada.ca
Toronto and nearby areas we help
- Scarborough
- North York
- Etobicoke
- East York
- Gerrard Street East
- Thorncliffe Park
- Flemingdon Park
- Rexdale
- Malvern
- Downtown
- Willowdale
- York
Licensed in Ontario, BC, Alberta, Manitoba, Saskatchewan, New Brunswick and Nova Scotia.
What Families Say
★★★★★“My dad was a heart patient, and I wanted to buy Super Visa insurance from a broker who has been in the industry for a while and understands how claims are handled. Pankaj Bhatia was very professional and keen to help. I bought a Destination Canada policy. My parents returned to India last week, and I got a refund for the remaining days.”
★★★★★“Pankaj is never in a rush to sell the product and gives you time to think and ask relevant questions.”
★★★★★“Mr. Pankaj Bhatia is very professional, knowledgeable and responsive. He helped me get the best Super Visa insurance, and his after-purchase service is amazing.”
Super Visa Insurance Toronto: FAQs
What does a Toronto ER visit cost a visitor?
Michael Garron Hospital charges out-of-country patients $1,025 per emergency visit, including the ER doctor. Scarborough Health Network charges a $794 facility fee, with tests extra. An ambulance is $240 without OHIP.
What happens if my parent is admitted at Sunnybrook?
Sunnybrook asks non-OHIP patients for a $10,000 deposit at admission, then charges $4,100 to $4,400 a day on a ward and $6,400 to $6,600 a day in ICU.
Is $100,000 of coverage enough in Toronto?
It's the IRCC minimum. At Scarborough Health Network's ICU rate of $7,814 a day, 13 ICU days would use it all before doctors' fees. Consider more than $100,000 for older parents or heart conditions.
Will a Toronto hospital refuse my uninsured parent?
No hospital should refuse emergency care; North York General says so publicly. But your parent will be billed, and UHN asks uninsured patients to pay estimated fees in advance for non-emergency care.
Can my parents use the TTC senior fare?
The fare is age-based at 65+, set up in person with proof of age. The TTC lists Ontario ID, so confirm a passport is accepted before you rely on it.
Can I meet you in Toronto?
Our office is in Mississauga, near Pearson. Most Toronto clients do everything by phone or WhatsApp, and visits are by appointment.
Can I pay monthly?
Yes. IRCC accepts instalment plans with a deposit. In our October 2026 quotes, monthly payments started at $135.05 for a 66-year-old with $100,000 of coverage.
Where These Facts Come From
- IRCC: Super visa forms and documents (insurance rules)
- Ontario.ca: Apply for OHIP (visitors don't qualify)
- Scarborough Health Network: Hospital fees
- Michael Garron Hospital: Hospital fees
- Sunnybrook: Non-OHIP patients
- UHN: Accounts receivable
- North York General: Admission and discharge
- Humber River Health: Wilson site renamed (April 10, 2026)
- City of Toronto 2021 Census backgrounder: Immigration
- City of Toronto 2021 Census backgrounder: Language
- Heritage Toronto: Gerrard India Bazaar
- UP Express: About
- Billy Bishop Airport: Shuttle
- TTC: Fare types and discounts
- IRCC: Where to give biometrics
Local facts checked October 18, 2026. Hospital rates change; confirm with the hospital. More guides: Super Visa requirements · Super Visa insurance cost · Super Visa checklist · Emergency medical insurance for parents
Get your parents covered from day one
Live quotes in a minute, or WhatsApp us and we'll compare plans for your parents' ages and health, in English, Hindi, Punjabi or Urdu.