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Snowbirds travel insurance, Canadian seniors travel insurance

There are about 500,000 Canadians who escape the harsh winter and head South to the United States. These Canadian snowbirds specifically come to the states Florida, Arizona, Texas, Hawaii and California which are considered the top 5 snowbird destinations.

Canadian snowbird travel insurance with Covid19 coverage

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 canadian seniors travel insurance 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 canadian health insurance in usa, 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.

Trawick International Insurance:

Trawick International offers visitor medical insurance for coronavirus (covid-19) with their Safe Travels USA Insurance. The Safe Travels USA Comprehensive plan is ideal as canadian senior travel insurance and has coverage for pre-existing conditions. You can compare all Safe Travels USA Insurance plans compare all Safe Travels USA Insurance plans and buy it online to get coverage as early as the following day.

Global Underwriters:

Diplomat America Insurance by Global Underwriters offers coverage for covid-19 as a new sickness. It is available as US health insurance for canadian citizens. Diplomat Long term Insurance must be bought for a minimum of 3 months and has a plan maximum options of $500,000 and $1,000,000 for medical expenses. Pre-existing ailments are however excluded, which means that travelers infected before the plan effective date, will be considered as an pre-existing medical condition and will not provide health insurance for canadian visitors to USA coverage for that ailment.

INF travel insurance:

INF Insurance offers visitors health insurance for coronavirus in the US, Canada and Mexico. INF insurance 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 and Premier Insurance 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.

Canadian Snowbird insurance, Health insurance for Canadian visitors to USA

We all know of the very expensive health care system in the US. The cost of routine physician visit is very expensive in the US. The common ailments like Diabetes Mellitus with Hyperglycemia admitted to an emergency room would cost around $25,000. Stroke resulting in ICU for about 10 days would cost $120,000, Heart attack treatment with medical bills for ambulance, hospital emergency room, ICU, EKG and MRI heart scans and continuing care from cardiologists would cost about $20,000, The average treatment cost of acute kidney failure in the USA was over $22,000 in 2018. Should you fall ill or get injured, the out of pocket medical expenses can be financially crippling if you do not have sufficient Canadian health insurance in USA or travel health insurance to USA from Canada. Medical expenses can easily cost you hundreds of thousands of dollars.

Will my Canadian health insurance cover me in the US?
We asked this question often. Please note that the Canadian Government website clearly states that Canadian health insurance is not valid outside Canada and it is recommended to buy travel insurance for Canadians visiting USA.

Can a Canadian citizen get health insurance in the US?
Yes, there are some health insurance for Canadian visitors to USA offered by INF with coverage for pre-existing medical ailments. To find the best Canadian travel insurance for seniors or Canadian snowbird travel insurance, relevant information is at older traveler US health insurance for Canadian snowbirds plans. The information provided includes the medical maximum health insurance for Canadian seniors travelling to the USA available for their age in these Snowbird destinations. It is important to understand the different US health insurance for Canadian snowbirds and to make an informed decision while buying snowbird health insurance for Canadians traveling into US.

For Canadians who want to visit the US multiple times within a year, they can consider buying the Annual multi trip plan which will provide coverage for the whole year with a specific time period limit for each trip like 30, 45, 60... days depending on the plan. This option is cheaper than buying US health insurance for Canadian snowbirds for every single trip and is most suitable for people making multiple trips for business...

If an individual is a dual citizen with Canadian and US citizenship, then the person can buy insurance for visiting US from Canada by entering Canada as the home country and US as the country of citizenship in order to buy US travel insurance for his/her sojourn in the US.

Some important tips for Canadian snowbirds:

Not sure on what type of coverage you need? understand trip protection, medical or long term coverage
Compare health insurance for Canadian visitors to USA based on price of different plans, the policy maximum and other benefits.
Find out what's included in US health insurance for Canadian snowbirds , what's excluded and policy limits by reading the policy brochure.
Review the pre-existing conditions visitor insurance coverage plans.
Review the policy wording.
Buy Snowbird travel insurance to USA before leaving Canada