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 travel medical insurance or travel health insurance. Medical expenses can easily cost you hundreds of thousands of dollars. There are some visitor insurance plans from INF that offer coverage for pre-existing medical ailments. Please note that the Canadian Government clearly indicates that Canadian health insurance is not valid outside Canada in the Government of Canada website.
For seniors needing insurance, you can get all relevant information that you need at older traveler visitor insurance plans. The information provided includes the maximum coverage they can get for their age during their stay in the United States in these Snowbird destinations. It is important to understand the different insurance options and to make an informed decision while buying visitor health insurance.
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 options is cheaper than buying travel health insurance 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 visitor medical insurance coverage price of different plans, the policy maximum and other benefits.
- Find out what's included, 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 the insurance before leaving Canada.