Travel insurance for Canada travelers
Greetings to all our neighbors up North! The COVID-19 pandemic has really changed the shape of travel for the time being. I have recently gotten many calls from Canadians who have told me their insurance coverage from Canada is now voided since the Canadian government has now asked all Canadians to stay in Canada and avoid “non-essential” travel. Many of our Canadian friends were already out of the country and enjoying warmer climes in the US and/ or have altered their travel plans.
If you have any doubts as to your coverage, we urge to to check on your benefits with your insurance provider and know that we have alternatives should you need coverage now (even though you are already in the US) either due to cancellation or expiration of the policy.
Note that some companies cannot sell policies to Canadian citizens or to people with Canadian addresses. However, Global Underwriters, IMG and Trawick International, and INF are companies that can provide policies.
There are currently three US insurance providers namely Trawick International, INF insurance and Global Underwriters who offer US Visitors insurance coverage for coronavirus.
Diplomat America Insurance
by Global Underwriters offers coverage for covid-19 as a new sickness. Diplomat America Covid19 travel insurance is available for Canadians travelling to the US. Pre-existing ailments are however excluded, which means that travelers infected before the plan effective date, will be considered as an pre-existing medica condition and will not provide coverage for that ailment.
INF travel insurance:
INF Insurance offers Canadian visitors health insurance for coronavirus in the US, Canada and Mexico. INF US visitors insurance for Canadians covers covid-19 as any other illness. One of their plans (Elite) has excellent coverage of pre-existing medical conditions beyond the usual coverage for "acute onset" of pre-existing conditions which is a unique offering. You can compare their plans using this link and purchase the one you are interested in by choosing the "buy now" button for the appropriate plan: Please note that the Elite Network insurance
for Covid19 and Premier Insurance
for Covid19 are cheaper per month if you purchase at least 90 days the first time you buy them. You can compare all available INF US visitor insurance
As ever, we wish you safe and happy travels. Do call us with questions or concerns you may have.
Travel insurance for Canadian visitors
We get many, many Canadians traveling all over the world calling us with their questions. Many come to the US and have little idea of how our insurance policies work and if they are eligible for them. I thought I would put together a little blog to give some information for these adventurous travelers.
As I understand it, Canadians
have great health insurance coverage while in Canada and this can be extended for coverage in the US as well. However, they often (I am told) cannot renew a policy and must return to Canada to purchase more coverage. There are options available from us both before and after you leave Canada
If you are already in Canada, it depends on your age and for how long you have been in the US. If you are under 65 years, you often have about 6 months to purchase a policy after your arrival here. You can purchase a Patriot America plan
(comprehensive) or an Inbound USA plan
If you are looking for a plan while still in Canada to cover your travel to the US or to another destination, you now have more limited options. I’m not sure why this is, but two of the insurance companies we work with no longer accept applications from Canada (I assume this is due to tax issues). The two companies are Tokio-Marine HCC
and Seven Corners
. However, you still do have some options for your travel.