Travel Insurance for Canadians Visiting USA: Is it Worth Buying?
US Health Insurance for Canadian Citizens
Many Canadians travel to the US for various reasons, and having health or travel insurance for Canadians visiting USA is essential. Key reasons to get US travel insurance include:
- Escaping the winter and enjoying warmer climates
- Visiting family in the United States
- Studying or taking courses in the US
- Working or doing business temporarily in the US
- Ensuring adequate coverage and peace of mind while traveling outside of Canada
The Canadian government advises purchasing US travel insurance for short visits to the US to ensure protection against unexpected medical costs.
Popular Canadian Cities Visiting the USA
We often receive queries from Canadian residents in provinces such as Ontario, British Columbia, and Quebec, especially from major cities like
Toronto,
Montreal,
Calgary,
Vancouver,
Ottawa, and
Edmonton.
These travelers often visit southern US states such as
Florida,
Texas,
California,
Arizona to enjoy warmer climates during the winter months.
Short-Term or Long-Term Travel from Canada to USA
Whether you are visiting for a few days, staying as a student for several years, or spending part of the year in a winter home, we can help you find the perfect US travel insurance from Canada plan that fits your needs.
Global Medical Plans for Frequent Travelers
Canadians who visit the US or Mexico regularly, or live part-time in these countries, may want to consider our Global medical plans. Applications for travel insurance for Canadians visiting USA are reviewed by an underwriting team and may include riders or exclusions for certain pre-existing conditions.
Benefits of Long-Term Global Plans
These global insurance plans offer superior coverage, including preventive care and pre-existing condition coverage, and can be renewed for longer periods compared to shorter-term visitor insurance plans. They are available annually with flexible payment options—monthly, quarterly, semi-annual, or annual.
Long Term Insurance - Get Quotes »
Long Term Travel Insurance for Canada
What Canadian Visitors Should Know Before Traveling to the U.S.
🌎 Travel Overview
- Travel between the U.S. and Canada has been ongoing since the 19th century due to their geographical proximity and shared border.
- The United States, with its multicultural society, iconic monuments, and natural wonders, remains one of the most desired tourist destinations for Canadian visitors.
- It continues to be a key destination for work, study, and leisure for Canadian emigrants.
- According to 2022 U.S. Census data, over 821,322 Canadian-born individuals live in the United States, with many becoming naturalized U.S. citizens.
👨👩👧👦 Family Visits and Tourism
- Many Canadian-Americans visit the U.S. to reunite with family members.
- Millions of Canadian tourists traveling to the U.S. explore the country for leisure, sightseeing, and business purposes.
📊 Travel Trends and Economic Impact
- In 2019, there were approximately 23.41 million visits to the U.S. from Canada.
- Travel numbers rebounded to 20.4 million in 2022 after the pandemic, generating $20.5 billion in Canadian tourism spending in the U.S..
- This spending supported over 140,000 jobs in the U.S. tourism industry.
⚠️ Health and Safety Considerations
- Meeting family, friends, and relatives in the U.S. is exciting, but travelers should be cautious.
- The U.S. healthcare system is not government-funded and can be very expensive.
- Traveling to the U.S., especially for older Canadians, can be risky due to long travel hours, different weather conditions, unfamiliar food, and cultural differences.
- It is highly recommended to have travel insurance for Canadian visitors to the U.S. to cover unforeseen medical emergencies.
Medical Insurance For Visitors To USA From Canada
New Travel Requirement for Canadians Visiting USA for More Than 30 Days
Canadians traveling to the US for more than 30 days are required to register with US immigration authorities and provide fingerprints. This will be a strict enforcement of an existing law which was previously applied inconsistently and aims to improve compliance with US immigration regulations.
This new rule, issued by the Department of Homeland Security (DHS), applies to all foreign nationals crossing the US-Canada land border who are 14 years or older and staying for more than 30 days in the USA. This will impact close to 3 million Canadians annually, including around 1 million "snowbirds" who spend extended winters in the US.
Canadian professionals on long-term assignments in the US must comply with the new registration and fingerprinting requirements. However, short-term visitors to the US, such as tourists and cross-border shoppers should not be impacted.
Is It Better to Buy Travel Insurance from the USA or Canada?
Choosing whether to buy travel insurance from the USA or Canada depends on factors such as PPO network access, reimbursement methods, plan cost, and customer service support. Here’s a detailed comparison 👇
🌐 PPO Network: Many US based insurance plans offer PPO networks that provide direct billing facilities. In contrast, some European or non-US companies may lack PPO networks in the USA, leading to higher out-of-pocket expenses.
🏥 Wide Network: Canadian insurance companies often have extensive healthcare networks within Canada, making it easier to get coverage throughout North America.
💳 Reimbursement Basis: Many Canadian based insurance companies operate on a reimbursement basis, requiring upfront payment for medical services. In contrast, US insurance companies often offer direct billing options for easier claims handling.
💰 Cost of the Plan: Insurance plans in Canada can be more affordable but may include coverage limitations. Meanwhile, US insurance companies offer comprehensive travel insurance plans with flexible and extensive coverage benefits.
📞 Customer Service: US insurance companies provide local customer service, ensuring faster claims support. Canadian companies often provide bilingual customer service, which is ideal for travelers from diverse backgrounds.
⚖️ Regulations: US insurance plans follow strict government regulations and consistently honor policy terms, offering transparency and reliability to travelers.
Which Is the Best Travel Medical Insurance for Canadians?
The best travel medical insurance for Canadians is the TrueNorth Travel Medical plan. It offers high coverage limits, unlimited evacuation and repatriation, and 24/7 travel assistance for international trips.
Designed for Canadians traveling abroad, TrueNorth Travel Medical Insurance provides comprehensive emergency medical protection at an affordable price—ensuring strong benefits and complete peace of mind wherever you go.
TrueNorth Travel Medical Insurance
TrueNorth Travel Medical is an accident and sickness insurance plan designed exclusively for Canadian residents, providing affordable coverage and 24/7 travel assistance for a single international trip.
This TrueNorth Travel Medical Insurance plan offers reliable protection for Canadians traveling abroad, though it is not available in certain provinces and territories or for travel to Israel and countries restricted by Canada Global Affairs.
- Best for Canadian residents traveling outside of Canada.
- Available for travelers up to age 59.
- Offers single-trip coverage.
- Provides unlimited coverage repatriation of remains.
- Unlimited emergency medical evacuation.
- Emergency medical coverage up to $5,000,000.
- 10-day free look period.
- TrueNorth Travel Medical insurance starts from $125 for a 40-year-old traveler
Which Is the Best Trip Cancellation Insurance for Canadians?
The best trip cancellation insurance for Canadians is the TrueNorth Trip Protection Plus plan, offering comprehensive coverage, higher limits, and robust benefits. For travelers seeking a more affordable choice, the TrueNorth Trip Protection Lite plan provides essential benefits at a lower cost while still ensuring reliable protection for Canadian travelers.
TrueNorth Trip Protection Lite Insurance
- Eligible for Canadian residents traveling internationally.
- Covers trip cancellation coverage up to $25,000.
- Trip Interruption is covered up to 100% of trip cost.
- The maximum trip duration depends on your age (0–59 years - 90 days, 60–69 years - 30 days, 70–89 years - 16 days).
- Covers unlimited repatriation of remains.
- Not available in NB, NT, NU, PE, QC, or YT.
- Includes 24/7 non-insurance emergency travel assistance.
- TrueNorth Trip Protection Lite insurance cost for a 40 year old traveler starts from $95 for 15 days trip duration with $1000 trip cost.
TrueNorth Trip Protection Plus Insurance
- Available for Canadian residents traveling outside of Canada.
- Offers trip cancellation coverage up to $25,000.
- Trip interruption coverage up to $25,000.
- Includes trip delay coverage up to $2,000.
- Coverage for baggage and personal effects is up to $1,500.
- Emergency medical expenses is covered up to $5,000,000.
- Not available in NB, NT, NU, PE, QC, or YT.
- The maximum trip duration depends on your age (0–59 years - 90 days, 60–69 years - 30 days, 70–89 years - 16 days).
- TrueNorth Trip Protection Plus insurance cost for a 40 year old traveler starts from $165 for 15 days trip duration with $1000 trip cost.
How Much Does Healthcare Cost in the USA?
Healthcare in the USA is among the most expensive in the world. Without proper travel insurance, Canadians visiting the USA may face extremely high medical bills for emergencies, hospital stays, or even basic medical care.
- 💵 A routine physician’s visit in the U.S. can cost around $176.
- 🩺 An echocardiogram may cost about $1,000 in Massachusetts and up to $3,000 in New Jersey, depending on the provider.
- 💉 Treatment for Diabetes Mellitus with Hyperglycemia in an emergency room can cost between $2,500 and $5,000.
- 🧠 A stroke requiring a 10-day ICU stay could total $120,000.
- ❤️ Heart attack treatment including ambulance, ER, ICU, EKG, MRI, and ongoing cardiac care may reach about $20,000.
- 🧪 The average treatment cost for acute kidney failure exceeds $22,000.
The main reasons for these high medical costs include significant administrative expenses, the litigious nature of U.S. healthcare, and the need for numerous billing staff by hospitals and insurance companies. Advanced medical technology, costly labor, and expensive malpractice insurance further increase costs.
For Canadians traveling to the USA, being uninsured is risky. In U.S. hospitals, treatment costs are far lower when you have visitor insurance and the hospital is part of a PPO network. Even beyond coverage benefits, simply having travel medical insurance can substantially reduce your medical bills.
👉 Having visitors insurance while visiting the USA helps Canadians avoid the financial burden of unexpected healthcare expenses.
How Much Does US Health Insurance for Canadian Citizens Cost?
The premium cost of travel medical insurance for Canadians in the USA isn’t fixed. It varies based on several important factors such as the age of the individual, duration of travel and stay, coverage needed, policy maximum amount chosen, and deductible selected. Each of these factors plays a major role in determining your total insurance cost.
- 🧓 Age of the traveler – Older travelers usually pay higher premiums.
- 📅 Length of stay – Longer trips increase the overall insurance cost.
- 💵 Coverage amount – Higher policy maximums mean better protection but higher premiums.
- 📜 Deductible chosen – Lower deductibles result in higher plan premiums and vice versa.
Plan Types
- ✅ fixed benefit plan → Specify set charges for each medical service (lower premiums, limited coverage).
- ✅ comprehensive plan → Broader protection, extending coverage up to the policy maximum limit (higher premiums, better coverage).
👉 Since premiums vary for travel medical insurance for Canadians in the USA, it’s best to compare multiple plans to find the right balance of cost and coverage.
How much does the most affordable American health insurance for Canadians cost?
The most affordable option for Canadian snowbirds visiting the U.S. is the Safe Travels Advantage plan, which starts at around $20 per month.
💵 Premiums can range from $20 to $155 per month, depending on:
👤 Age of the traveler.
💰 Policy maximum (coverage limit).
🧾 Deductible amount chosen.
📌 Tip: On average, a fixed benefit visitor insurance plan like Safe Travels Advantage offers budget-friendly protection for Canadians in the U.S. — making it a popular choice for travelers who want reliable coverage without high premiums.
How much does the comprehensive and best travel insurance for Canadians in USA cost?
For Canadians seeking strong medical coverage in the U.S., one of the most popular comprehensive plans is the
Safe Travels USA Cost Saver.
- Premiums typically range from $71 to $353 per month
- Pricing depends on:
- 👤 Traveler’s age
- 💰 Policy maximum (coverage limit)
- 🧾 Deductible chosen (average example: $250)
Unlike budget fixed-benefit plans,
Safe Travels USA Cost Saver is a
comprehensive plan, meaning it covers eligible expenses up to the policy maximum — offering broader protection and peace of mind for snowbirds and long-term visitors.
| Plan name |
Plan maximum |
Age 40 |
Age 60 |
Age 70 |
| Safe Travels USA Cost Saver |
$50,000 - $1,000,000 |
$71 - $117 |
$139 - $250 |
$237 - $299 |
| Venbrook Premier |
$50,000 - $1,000,000 |
$77 - $135 |
$176 - $346 |
$352 - $437
|
| Visitors Preferred |
$50,000 - $1,000,000 |
$77 - $144 |
$148 - $301 |
$253 |
| Patriot America Lite |
$50,000 - $1,000,000 |
$72 - $130 |
$153 - $289 |
$252 - $337 |
| Patriot America Plus |
$50,000 - $1,000,000 |
$77 - $139 |
$164 - $311 |
$287 - $434 |
| Safe Travels USA Comprehensive |
$50,000 - $1,000,000 |
$90 - $168 |
$172 - $351 |
$294 - $470 |
| SafeVista Comprehensive |
$100,000 - $1,000,000 |
$93 - $127 |
$215 - $248 |
$320 |
| Diplomat America |
$50,000 - $1,000,000 |
$125 -$214 |
$229 - $301 |
$353 |
Source: American Visitor Insurance®
What is the Best Travel Insurance for Canadians in USA?
Given the high cost of healthcare in the U.S., it's important to choose a plan with comprehensive medical coverage, emergency evacuation, and benefits for pre-existing conditions. The best medical insurance for visitors to USA from Canada are:
- Travel medical insurance plan for non-U.S. citizens visiting USA.
- Covers acute onset of pre-existing conditions up to age 69, with a medical maximum limit. Cardiac disease coverage is covered up to $25,000.
- Emergency medical treatment of pregnancy covered up to $1,000.
- Offers optional coverage for sports activity rider.
Policy maximum?
$50,000, $100,000, $250,000, $500,000, $1,000,000
Period of coverage?
5 days to 364 days
Deductible options?
$0, $100, $250, $500, $1,000, $2,500, $5,000
- Best plan for Canadians traveling to United States.
- Covers acute on set of pre-existing conditions up to 70 years. $25,000 for emergency evacuation.
- Urgent Care Clinic covered up to $25 copay.
- Offers optional coverage for adventure sports rider.
Policy maximum?
$50,000, $100,000, $500,000, $1,000,000
Period of coverage?
5 days to 12 months
Deductible options?
$0, $100, $250, $500, $1,000, $2,500
- Ideal for individuals traveling outside their home country and within the USA.
- Covers acute on set of pre-existing conditions up to 70 years. $25,000 for emergency evacuation.
- Optional coverage for athletic and hazardous sports.
- Minimum purchase is 15 days.
Policy maximum?
$50,000, $100,000, $250,000, $500,000, $1,000,000
Period of coverage?
15 days to 365 days.
Deductible options?
$0, $50, $100, $250, $500, $1,000, $2,500, $5,000
- Ideal for individuals and families traveling from their home country to the U.S.
- Pre-existing conditions covered up to 99 years.
- Emergency medical evacuation up to $25,000.
- Urgent care covered up to $25 copay
Policy maximum?
$50,000, $100,000, $250,000
Period of coverage?
90 days up to 12 months.
Deductible options?
$250, $500, $1,000, $2,500, $5,000
What Does Travel Insurance for Canadians Visiting the USA Typically Cover?
Best US health insurance for Canadian citizens offers essential protection against unexpected medical and travel emergencies while visiting the USA. It provides peace of mind and financial security by covering a wide range of benefits, including:
🏥 Health Care Expenses
Covers hospital and medical costs for sickness or accidents, including emergency care, hospitalization, and surgery while in the USA.
Provides coverage for urgent care visits, consultations, and treatment for sudden illnesses or injuries during your stay in the USA.
💊 Prescription Medication
Insures eligible costs for doctor-prescribed pharmacy drugs needed due to covered sickness or injury.
Covers transportation costs to the nearest suitable medical facility in case of a life-threatening emergency.
Includes coverage for repatriating remains to Canada in the unfortunate event of death during travel.
Some plans cover the acute onset of pre-existing conditions, subject to specific age limits and policy exclusions.
💀 Accidental Death & Dismemberment
Offers financial benefits in case of a severe accident resulting in death or loss of limbs.
🧳 Lost Luggage
Covers expenses related to lost, damaged, or delayed baggage during your trip to the USA.
🛂 Lost or Stolen Passport
Provides assistance and reimbursement for costs involved in replacing a lost or stolen passport while in the USA.
Types Of Health Insurance For Canadian Citizens Living Abroad
Fixed Benefit Travel Insurance
Fixed benefit travel insurance, also known as scheduled benefits travel insurance, is the most affordable US travel insurance plan for Canadians. This plan provides a fixed limit of coverage for different medical benefits, making it ideal for minor ailments or routine medical issues. However, it may be inadequate for serious medical emergencies requiring hospitalization.
- Cheaper US travel insurance for Canadians
- Fixed limit of coverage for each medical expense
- Suitable for minor medical issues
- Not ideal for serious illnesses or hospitalization
Comprehensive Travel Insurance
Comprehensive travel insurance offers flexible and higher medical coverage limits compared to fixed benefit plans. It is ideal for Canadians traveling to the U.S. who want robust coverage in case of serious medical emergencies or hospitalization. Although more expensive, it provides superior protection for unpredictable medical situations.
- Flexible coverage for Canadian travelers in the U.S.
- High medical coverage limits for emergencies
- Ideal for serious illness or hospitalization
- More expensive than fixed benefit travel insurance
What Are the Factors That Determine the Cost of Medical Insurance for Canadians in the USA?
1
Age of the Traveler
The cost of medical insurance for Canadians visiting the USA increases with age. Senior travelers usually pay higher premiums because of increased health risks and the potential for medical care needs while in the U.S.
2
Type of US Travel Health Insurance Plan
The type of plan chosen—comprehensive or fixed benefit travel insurance—has a direct impact on cost. Comprehensive plans offer broader coverage but are more expensive, while fixed benefit plans are more affordable but have specific payout limits for each medical service.
3
Medical Maximum and Deductible
The price of Canadian visitors insurance depends on the medical maximum coverage selected and the deductible. Higher coverage limits increase premiums, while choosing a higher deductible lowers the cost.
4
Region of Coverage
The cost of travel health insurance for Canadians in the U.S. is generally higher than coverage for other regions such as Europe or Asia, due to the high cost of healthcare in the United States.
5
Duration of Coverage
The longer the trip, the higher the cost of visitor medical insurance for Canadians. Insurance for extended stays or snowbird travelers typically costs more than short-term coverage.
6
Add-On Benefits and Optional Coverage
Adding optional benefits such as pre-existing condition coverage, trip interruption insurance, or emergency medical evacuation increases the total premium cost but enhances protection.
How Can I Buy US Travel Insurance for Canadians Online?
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Finding the Best Health Insurance for Foreigners
Fill out the quote form with your age, trip dates, and coverage needs to see US travel insurance options for Canadians.
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Compare Different Travel Insurance Options
Review travel medical plans for Canadians visiting the USA, including benefits, limits, and deductible choices.
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Buy the US Travel Health Insurance Plan Online
Choose your preferred visitors insurance plan and purchase it online securely with instant confirmation.
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Review Policy Documents and Coverage Details
Receive your confirmed US travel insurance policy by email and review coverage details before your trip.
How Does Provincial Health Coverage Work for Canadian Snowbirds?
Canadian snowbirds need to understand that provincial health plans offer very limited protection once you are outside your home province or outside Canada.
🌎 Restricted Coverage Abroad
Most provincial health plans only cover a small portion of medical costs outside Canada. In many cases, coverage is reduced or even suspended if you are away for more than six months in a calendar year.
📝 Check Before You Leave
Always confirm with your provincial health authority how long you can be away without losing eligibility for health benefits. Each province has its own rules.
⚠️ Extended U.S. Stays
If you remain in the U.S. longer than your visa or cross-border privileges allow, you may face immigration and tax-related obligations.
⚖️ Get Legal Advice if Needed
For longer stays, consult a cross-border legal or tax advisor to avoid issues with residency status and reporting requirements.
👉 While provincial health care offers security at home, it won’t fully protect you during extended stays in the U.S. That’s why snowbirds should plan carefully both for their health coverage and their legal stay.
What Happens If Snowbirds Stay Longer Than Intended?
Snowbirds usually encounter unanticipated delays for various reasons a medical issue, a weather challenge or even restrictions on travel. It is helpful to understand how your policy will operate for an extension or renewal.
How To Choose the Best U.S. health insurance for Canadian Snowbirds?
- Midterm Extension - A quick overview of coverage which allows the extension of your policy while you are in the country and away.
- No Requirement to “Return Home” - Some travel insurance plans require you to come back to your province in Canada to renew your travel insurance - if you plan to remain for a longer duration avoid those policies.
- Bridging a Gap - Some policies are flexible if you come back to Canada for a very brief time before leaving again.
- Medical Underwriting - Make sure to check if you will have to go through another health evaluation just to extend the policy.
- Limits on Age or Condition - Some insurance policies do not provide an option for renewal if one is above a certain age or pre-existing health condition.
The best travel insurance for Snowbirds should provide coverage with flexibility and peace of mind so that they can undertake those trips without having to be concerned that things will or won’t go as planned.
What Happens If a Snowbird Has a Medical Emergency in the U.S.?
John (age 68) in Arizona, February 2024
- While golfing in Scottsdale, John experienced chest pain and was rushed to the nearest hospital. He was admitted for two days of testing and treatment. The total medical bill exceeded USD 36,000.
- Fortunately, John’s snowbird travel medical plan included direct billing with the hospital, so most charges were settled directly by the insurer. John only paid his $250 deductible. For the claim, he submitted the hospital admission records, cardiologist’s report, and discharge papers. The insurance company processed the claim in 18 days, and John was not responsible for any additional out-of-pocket costs.
- Lesson learned: Choosing a plan with direct billing and strong emergency coverage ensures quick treatment without the stress of handling large upfront medical expenses.
What Makes Snowbird Insurance Unique?
While a standard vacation is often brief, snowbirds will generally spend 3-6 months outside of Canada, which means:
- There will be greater exposure to medical risks.
- Claims are more likely because of age-related issues.
- Provincial health insurance coverage is limited — most provinces only cover a small portion of out-of-country expenses.
- Immigration and tax issues if you stay in the U.S. too long.
Is $50,000 Enough for Travel Insurance From Canada to USA?
For minor illness or injury, $50,000 travel insurance might provide sufficient coverage. However, for more serious medical emergencies, hospital stays in the USA can quickly exceed $100,000. Therefore, most experts, including myself, recommend a minimum coverage of at least $100,000. If the traveler is older or at risk of multiple fractures or a longer hospitalization, it’s wise to opt for the highest coverage allowed. Keep in mind that the age of the insured can limit the maximum coverage available.
For those looking for affordable options, the cheapest $50,000 travel insurance for a 65-year-old Canadian traveler with a $250 deductible is the Safe Travels USA insurance plan, starting from $160 per month. Another option is the Patriot America Plus insurance, starting from $173 per month.
👉 Tip: While $50,000 coverage may be enough for minor incidents, travelers to the USA often choose $100,000 or higher to ensure adequate protection against unexpected medical expenses.
Which is the Best Snowbird Medical Insurance for Canadian Visitors to the USA?
Each winter, over 375,000 Canadian snowbirds travel to the United States to enjoy the warmer climate. These long-term visitors, primarily seniors, often stay for extended periods, making comprehensive medical coverage essential. Provincial health insurance plans typically offer limited or no coverage outside Canada, highlighting the importance of securing reliable travel medical insurance.
Choosing the right snowbird medical insurance involves considering factors like age, health status, trip duration, and desired coverage limits. It's crucial to compare plans that offer extensive coverage, including emergency medical expenses, hospitalization, and repatriation. Additionally, look for policies that cover pre-existing conditions, especially if you have stable health conditions.
For personalized assistance and to explore various insurance options tailored to your needs, feel free to email us. Our team is ready to help you find the best snowbird medical insurance plan for your stay in the USA.
Explore Top Snowbird Insurance Plans »
What Should Canadian Snowbirds Consider Before Buying Travel Insurance for the US?
Medical Coverage
Ensure that the travel health insurance plan provides comprehensive flexible coverage for sickness and injuries, including emergency medical evacuation and repatriation.
Pre-existing conditions
It is beneficial to see if the travel medical insurance plan for Canadian snowbirds provides good coverage for pre-existing conditions related medical expenses. Typically, most plans provide coverage for acute onset or sudden recurrence of pre-existing conditions.
Baggage, personal liability, travel delay, missed connections
It is good to have coverage for baggage loss in case the baggage is stolen or damaged along with personal items. Similarly, coverage for personal liability is helpful if you accidentally cause injury or property damage. Coverage for travel delays and missed connections will help cover additional expenses incurred due to these situations.
Duration of coverage and Cost
It is important that the Snowbird insurance for Canadian Snowbirds covers the entire duration of the stay and possible extensions during winter. Check if the travel insurance plan is renewable. Comparing different plans and their costs will help get good value for the money while providing adequate coverage.
Reviews and exclusions
Read the policy document carefully to know what is excluded in the coverage and check customer reviews to ensure the provider is reputable.
⚠️
Note: At
American Visitor Insurance, we offer travel health insurance plans for Canadian snowbirds coming to the US enduring harsh winter conditions, keeping in mind the important factors mentioned above. Customers can visit our
visitor medical insurance section to explore
pre-existing travel health insurance and
senior travel insurance pages for insight on travel medical insurance plans, including
annual multitrip plans for Canadians visiting the US during winters.
Best Travel Health Insurance Plans For Canadian Snowbirds Visiting The US For A Long Stay During Winters
🏥 If you're a Canadian snowbird planning an extended winter stay in the USA, securing travel health insurance is crucial. The following plans offer comprehensive coverage including protection for pre-existing conditions, emergency medical evacuation, and COVID-19 treatment.
Safe Travels USA Comprehensive Insurance
- Coverage Limits: Up to $1,000,000 in medical expenses.
- Deductible Options: $0 to $5,000.
- Pre-Existing Conditions: Acute onset coverage for individuals under 70.
- Additional Benefits: Emergency medical evacuation, COVID-19 coverage, wellness visits.
- Eligibility: Ages 14 days to 89 years.
Patriot America plus Insurance
- Coverage Limits: Up to $1,000,000 in medical expenses.
- Deductible Options: $0 to $2,500.
- Pre-Existing Conditions: Acute onset coverage under age 70.
- Additional Benefits: Emergency medical evacuation, political evacuation, dental treatment, COVID-19 coverage.
- Eligibility: Non-U.S. residents visiting the USA.
Safe Travels USA
- Coverage Limits: Up to $1,000,000 in medical expenses.
- Deductible Options: $0 to $5,000.
- Pre-Existing Conditions: Unexpected recurrence covered up to $1,000 for individuals under 70.
- Additional Benefits: Emergency medical evacuation, COVID-19 coverage, wellness visits.
- Eligibility: Ages 14 days to 89 years.
- Coverage Limits: Up to $1,000,000 in medical expenses.
- Deductible Options: $0 to $5,000.
- Pre-Existing Conditions: Acute onset covered up to $10,000 for individuals under 70.
- Additional Benefits: Emergency medical evacuation, COVID-19 coverage, optional riders.
- Eligibility: Non-U.S. residents visiting the USA.
Does US Medical Insurance for Canadians Cover Everything in the USA?
No. Most US medical insurance for Canadians or visitor health insurance policies do not cover wellness visits, routine checkups, or preventive care. This means that vaccinations, annual ob-gyn exams, and general health screenings are typically not included under standard coverage.
Coverage for pre-existing medical conditions is often limited or excluded, making it essential to carefully review the policy before purchasing. Many visitor insurance plans also have exclusions for specific illnesses, including:
- 🤰 Maternity care
- 💧 Urinary tract infections (UTIs)
- 🧬 Sexually transmitted diseases
- 🎗️ Cancer treatment
- 💸 Long-term or expensive medical procedures
👉 Additionally, most US medical insurance for Canadians policies will not cover travel specifically for medical treatment or any condition that arises as a result of such treatment. Always verify the policy terms to understand what is and isn’t covered.
Which Pre-Existing Conditions Are Covered by US Travel Insurance?
Travel Insurance for Cancer PatientsCovers emergency care, treatment interruptions, or unexpected medical expenses related to cancer while abroad.
View Plans »
How Does Coverage for Pre-Existing Conditions Work?
- Definition of a pre-existing condition – what medical conditions are considered pre-existing.
- Look-back period – the time frame prior to travel during which a condition is considered pre-existing.
- Type of coverage – whether the plan covers only acute onset (sudden flare-ups) or full coverage (ongoing treatment).
- Coverage limits – the maximum amount the policy will pay for pre-existing conditions.
Whether a travel health insurance plan covers your pre-existing conditions depends on all these factors.
Acute onset vs. Chronic Conditions
| Type |
Definition |
Examples |
| Acute Onset of a Pre-Existing Condition |
A sudden and unexpected onset of a pre-existing condition that occurs after coverage starts and requires immediate medical attention. |
Heart attack, sudden asthma attack, acute appendicitis |
| Chronic Pre-Existing Condition |
A long-term or ongoing condition that existed prior to coverage and is generally managed over time |
Diabetes, hypertension, chronic kidney disease |
Some visitor insurance plans cover acute onset of certain pre-existing conditions but do not cover chronic management.
Which Medical Insurance For Canadians In USA Covers Pre-Existing Conditions?
A pre-existing condition is a medical ailment that existed before the start of the visitors insurance cover. One of the biggest concerns for travelers is to buy travel health insurance for pre-existing conditions. Good visitor insurance with Pre-existing conditions coverage is particularly important for older travelers and parents. Only some visitors insurance offer coverage for pre-existing ailments and even there the coverage is mainly for acute onset of pre-existing ailments. Some other international travel insurance with pre-existing conditions coverage will pay for medical expenses after the first year of coverage or a waiting period.
Some travel health insurance plans like Atlas America, Patriot America Plus offer coverage for the acute onset of a pre-existing conditions, ie, when there is a sudden medical emergency without any prior symptom that needs to be treated immediately. The coverage typically includes emergency medical treatment, hospitalization, and evacuation expenses related to the acute onset of the pre-existing condition. INF insurance however has the INF Elite insurance plans which cover pre-existing conditions going beyond the acute onset coverage. It is important to compare visitors insurance for pre-existing conditions both for the price as well as the specific details for pre-existing conditions coverage as well as review the policy brochures for exclusions and coverage limits before making a decision.
International Travel Medical Insurance for Pre-Existing Chronic Conditions
When purchasing international travel insurance to USA from Canada, it’s important to understand coverage limits for pre-existing chronic conditions. Standard travel insurance plans usually do not cover ongoing medical care required for chronic illnesses.
What is Not Covered
- Regular medications or routine treatments, such as dialysis, must be paid out of pocket.
- If medications are lost or stolen, a doctor’s visit for a prescription and a pharmacy purchase are required, which are not covered.
Coverage for Unexpected Flare-Ups
Some specialized travel insurance plans for chronic conditions provide coverage for sudden, unexpected flare-ups. Key points include:
- These plans tend to be more expensive than standard plans.
- They must be purchased at least 90 days before travel.
- Coverage is only valid for travel to the USA.
- Plans must be purchased before the trip begins.
Planning Tips for Canadian Travelers
Canadian travelers should account for all potential costs related to pre-existing chronic conditions when planning a trip to the USA. Selecting the right international travel medical insurance ensures financial protection and peace of mind.
Which Is the Best Travel Insurance for Canadians Visiting the USA?
When Canadians are planning a trip to the USA, selecting the right travel insurance is crucial, especially for those with pre-existing medical conditions. Among the available options, the following INF plans stand out for their comprehensive coverage and benefits:
Affordable comprehensive plan covering acute onset of pre-existing conditions.
Policy Maximum?
$100,000 - $1,000,000
Period of Coverage?
10 days to 364 days
Pre-ex coverage?
Acute on set pre-exisiting conditions ?
Medical Evacuation?
Up to $25,000
Affordable fixed-benefit plan with full pre-existing condition coverage.
Policy Maximum?
$100,000 - $1,000,000
Period of Coverage?
90 days to 364 days
Pre-ex coverage?
Full pre-exisiting conditions ?
Medical Evacuation?
Up to $85,000
Fixed-benefit plan with full pre-existing, preventive, and maintenance care.
Period of Coverage?
90 days to 364 days
Pre-ex coverage?
Full pre-exisiting conditions ?
Medical Evacuation?
Up to $45,000
Comprehensive plan covering 80% of eligible medical expenses with full pre-existing protection up to age 99.
Policy Maximum?
$$150,000 - $1,000,000
Deductible?
$100 - $5,000
Period of Coverage?
90 days to 364 days
Pre-ex coverage?
Full pre-exisiting conditions ?
Medical Evacuation?
Up to $25,000
Comprehensive plan covering 90% of eligible medical expenses with full pre-existing protection up to age 99.
Policy Maximum?
$$150,000 - $1,000,000
Deductible?
$100 - $5,000
Period of Coverage?
90 days to 364 days
Pre-ex coverage?
Full pre-exisiting conditions ?
Medical Evacuation?
Up to $25,000
Comprehensive plan 90% coverage with full pre-existing, preventive, and maintenance care up to age 99.
Policy Maximum?
$150,000 - $300,000
Deductible?
$100 - $5,000
Period of Coverage?
90 days to 364 days
Pre-ex coverage?
Full pre-exisiting conditions ?
Medical Evacuation?
Up to $25,000
Why Buy Snowbird Travel Insurance from American Visitor Insurance?
American Visitor Insurance is your One-Stop Shop for Snowbird Coverage
American Visitor Insurance partners with top rated US insurance providers like International Medical Group (IMG), Trawick International, and Global Underwriters to offer the best snowbird travel insurance plans for Canadians all in one place.
🧭 Compare and Buy with Confidence
Use our easy online compare engine to review several top insurance plans side by side and choose the best snowbird insurance coverage for your travel schedule, budget, and medical needs for destinations across the US, Mexico, the Caribbean, and other warm-weather regions.
🏖️ Trusted by Thousands of Snowbirds Every Year
American Visitor Insurance has been offering Snowbird insurance for nearly two decades now providing thousands of Canadian and international snowbirds easy purchase insurance options through our platform before heading south for extended stays in Florida, Arizona, Texas, Mexico, or island getaways in the Caribbean.
🤝 Expert Customer Support
Our licensed knowledgeable customer support team helps travelers understand coverage options, policy benefits, and claim procedures so you can make informed decisions with complete peace of mind.
🌎 Comprehensive Global Protection
Enjoy medical coverage for emergencies, hospital care, and evacuation, backed by leading international insurers and extensive PPO networks across North America and beyond.
⚡ Simple, Hassle-Free Experience
Compare, choose, and buy your plan online at American Visitor Insurance in minutes with 24/7 assistance available whenever you need help during your travels.
What Are the Types of Travel Insurance?
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Single Trip Travel Insurance
Compare and buy best US Single trip insurance for travel within the US and overseas.
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Single Trip vs MultiTrip Travel Insurance
Compare Single trip vs multi trip insurance plans offered by US insurers.
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Which Is the Best Annual Multi-Trip Travel Medical Insurance for Canadians?
Many Canadian frequent travelers, including business professionals and corporate employees, travel abroad multiple times each year. Popular destinations include the
United States,
Mexico,
Europe,
Asia, and
Australia.
For these travelers, the Patriot Annual Multi Trip Insurance is one of the best annual multi-trip travel medical insurance plans for Canadians. It provides worldwide coverage for multiple trips within a year and is ideal for corporate travelers or individuals who make frequent short visits abroad.
🕒 Key Features
- Designed for Canadian corporate travelers and frequent flyers.
- Offers worldwide medical coverage for multiple trips per year.
- Each trip duration can be either 30 or 45 days.
- Maximum medical coverage up to $1 million.
👨⚕️ Eligibility & Benefits
- Available to travelers up to 76 years of age.
- Plan is renewable for up to 3 years.
- Includes coverage for pre-existing medical conditions.
- Perfect for frequent Canadian travelers seeking hassle-free protection.
Trip Insurance vs Travel Health Coverage vs Global Medical Insurance
Confused whether to buy trip, travel or global health insurance? Understand the differences!
Read More »Which is the Best US Health Insurance for Canadian Students?
- There are over 80,000 Canadian students currently studying in the USA.
- A majority are enrolled in Undergraduate programs.
- The rest are in Graduate programs or participating in Optional Practical Training (OPT) after graduation.
- Canadian students are among the top five international student groups in the US, making up about 6% of the international student population.
Insurance options for Canadian students
- Canadian students in the USA need proper health insurance to comply with university requirements and protect themselves financially.
- Most universities offer their own student health insurance plans, which can be quite costly.
- We provide international student insurance for Canadian students that is more affordable than university plans while providing comparable coverage.
- Canadian students on OPT can also explore OPT student insurance plans and compare options to find the best coverage.
Why study in the USA?
- The United States continues to be one of the most popular destinations for Canadian and international students alike.
- Benefits of studying in the U.S.:
- Access to world-class universities and research facilities.
- Excellent student support services, internships, and practical training opportunities.
- Opportunities to stay and work in the U.S. after graduation through OPT or other work programs.
History of Canadian students in the USA
- Early 1900s – Canadian students started enrolling in American universities for higher education opportunities.
- 1960s–1980s – Student exchange programs increased, creating stronger educational ties between Canada and the U.S.
- 1990s–present – Tens of thousands of Canadian students migrate yearly for undergraduate, graduate, and professional programs.
- Canadian students remain a significant group among international students in the USA, often ranking in the top five.
Importance of student health insurance
- Studying abroad in the USA exposes Canadian students to unfamiliar health systems and medical costs.
- Unexpected illness or injury can be stressful and financially burdensome without proper insurance.
- Having a student health insurance plan ensures coverage for medical expenses during your stay.
- At American Visitor Insurance, Canadian students can buy high-quality US student health insurance at competitive prices that meet university requirements.
Why Is Canadian Expat Health Insurance Important?
While Canadians benefit from universal healthcare and supplemental coverage at home, most of that protection ceases within 6–8 months when living abroad. For stays in the U.S., Canadians must secure either supplemental or full replacement health insurance to guard against high medical costs in a country without universal healthcare. That’s why robust Canadian expat health insurance is essential.
To explore tailored options designed for Canadians abroad, review our U.S. expat health insurance plans built for expats, long-term residents, and frequent travelers.
Travel Insurance for Canadians Visiting USA – FAQs
2
Why is travel insurance from Canada to USA so expensive?
The main reason is the high cost of healthcare in the USA. Travel insurance for Canadians visiting the US is priced according to medical costs, traveler age, and coverage options like pre-existing condition benefits or higher medical limits.
3
What are the factors to consider for travel health insurance for Canadians in the US?
When choosing Canadian travel health insurance for the USA, consider these factors:
⚕️ Coverage for accidents, illness, and hospitalization
🚑 Emergency evacuation and repatriation benefits
🩺 Pre-existing condition coverage limits
💰 Deductibles and co-pay options
🏥 Network of hospitals and claim support
4
Can I use Canadian insurance in the USA?
Most Canadian health insurance does not cover full medical costs in the USA. To avoid high hospital bills, it’s advised to buy travel medical insurance for Canadians visiting the USA. For help, call (877)-340-7910 or email us.
5
Will US travel insurance for Canadians cover pre-existing conditions?
Some visitor insurance plans for Canadians cover the acute onset of pre-existing conditions. Popular options include Patriot Platinum, Patriot America Plus, Safe Travels USA Comprehensive, and Visitors Protect — all offering coverage for medical emergencies and hospitalization in the US.
Which Is the Best U.S. Health Insurance for Canadian Citizens?
What Are the Different USA Visa Health Insurance?
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B1 visa insurance
USA B1 visa health Insurance for temporary business visitor.
Know more »
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B2 visa insurance
US B2 visitors visa health insurance for tourists.
Know more »
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F2 visa insurance
F2 visa medical insurance for dependents of F1 visa.
Know more »
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F1 visa insurance
F1 visa health insurance for international students in USA.
Know more »
school
J1 visa insurance
J1 visa insurance for exchange scholars in educational/cultural exchange programs.
Know more »
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Green card insurance
Travel Health insurance for US Green card holders.
Know more »
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K1 visa insurance
Health insurance for fiancé(e) who marry U.S. citizens.
Know more »
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H1B visa insurance
H1B visa insurance for skilled foreign workers in specialty occupations.
Know more »
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Travel insurance
Travel insurance for tourists in USA, tourist insurance USA.
Know more »
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H4 visa insurance
H4 visa insurance for dependents of H-1B, H-1C, H-2A, H-2B, and H-3 visa holders.
Know more »
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Resourceful Tourist Health Insurance USA Information
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Find the best travel insurance
Find out the best insurance for your budget and needs.
Learn More »
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How does travel insurance work?
Claims process for expenses due to injury or sickness.
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How to buy travel insurance?
Guide to buying the best international travel insurance for USA.
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Travel insurance glossary
Commonly used international travel medical insurance terms.
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Travel insurance for specific groups
Tourists, Cruises, Students, J1 visa, OPT status, Immigrants...
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Compare travel insurance plans
Compare the best travel insurance plan for your needs.
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Travel Insurance information for travel to Canada from US
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Travel medical insurance USA resources
International travel insurance resources for USA visa holders.
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Factors for travel insurance USA online
Factors for the best travel insurance to USA.
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Types of USA tourist insurance online
Different types of tourist insurance for USA.
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USA Vacation insurance claims procedure
Trip insurance claims process for getting medical care.
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Overseas Travel Insurance for US Residents
Find the Best US Visitor Insurance Coverage - Blogs and Articles
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Affordable travel insurance Online
Fixed benefit or scheduled benefit plans are the most affordable travel insurance plans.
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Best international travel insurance
International travel insurance plans covering pre-existing conditions which many older travelers look for.
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Compare US travel insurance online
Compare quotes online for best travel insurance online, Fixed vs comprehensive travel insurance USA.
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Advantages of buying travel insurance online
Compare and buy the best travel medical insurance plans online.
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Buy cheap travel insurance for USA
There are many cheap international insurance plans also known as visitor insurance plans.
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How does travel insurance work?
Coinsurance & Deductible - How visitor travel insurance works.
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Best International Travel Insurance
Travel Insurance - Pre-existing conditions coverage
Compare and buy best pre-existing plans
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International travel insurance resources
Compare and buy international travel insurance USA
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Trip Cancellation Insurance for Non US Residents
What Are the US Travel Insurance Plan Limitations for Travel From Canada?
These travel insurance to USA from Canada plans have certain
limitations for Canadian travelers and international students. Review the providers below before purchasing.
💡 LIMITATION: These plans are
not available to individuals physically located in Canada at the time of purchase.
However, once you
arrive in the USA, you can buy coverage. For example, if you extend your stay,
the
Atlas plan can cover you until your return to Canada.
💡 LIMITATION: If you are physically in Canada, you are prohibited from purchasing these plans.
You must be outside Canada at the time of application.
💡 LIMITATION: While Seven Corners offers these plans, they do not accept a Canadian residential address.
Customers may use their overseas home country address when applying.
