Snowbirds travel insurance for Canadians

Travel medical insurance for travelers stranded in the USA, Canada or Mexico because of Coronavirus

It is heartbreaking to hear of so many people stranded due to COVID-19. So many borders are closing and travel plans have had to be altered. At American Visitor Insurance, we are committed to getting you the best insurance coverage we can in these uncertain times. Of particular note, the company INF insurance which offers travel insurance plans with coverage in the USA, Canada and Mexica. These plans usually have a restriction on coverage of pre-existing medical conditions for their two plans: INF Elite Network Insurance and INF Advantage Insurance unless it is purchased BEFORE the traveler leaves their home country. INF traveler USA also offers coverage for Coronavirus. In light of the coronavirus epidemic, INF is lifting this restriction on pre-existing condition coverage even if purchased after coming to the US.
While many other insurers are NOT covering COVID-19 and even voiding policies due to the pandemic, INF insurance is a REAL option for travelers stuck in the US and needing insurance coverage. The INF travel insurance policy is good if you are replacing an existing travel policy that has expired or maybe you didn't have an insurance policy to begin with. International students in the US, Snowbirds from Canada or the UK, tourists from European nations, even US green card holders can purchase these plans. Note that the INF traveler USA and INF Advantage plan ONLY offers coverage in the US, while the INF Elite can be used in the US, Canada, and Mexico (even by US citizens who ordinarily reside outside the US). The INF traveler USA and INF Advantage plan is quite affordable and many travelers and students are even buying this plan to complement their existing insurance option if it has limitations in coverage for COVID-19.
Please know we are here to help you make the best, informed decision to get coverage even for COVID-19! Let us know how we can assist you. Feel free to contact us by email or phone at any time.

Coronavirus travel Insurance for Canadians in the US

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. Click HERE for some options for your travel.

Note that some companies cannot sell policies to Canadian citizens or to people with Canadian addresses. However, IMG and Trawick International, and INF are companies that can provide policies.

As ever, we wish you safe and happy travels. Do call us with questions or concerns you may have.

INF travel insurance

INF travel insurance coverage for Coronavirus is straightforward. The coronavirus will be covered as per any new sickness in the policy since it is not explicitly excluded. Note that their plans only offer coverage in the US and Canada.
INF Advantage US visitors insurance Covers Coronavirus for Visitors Already in USA INF provides insurance coverage for any COVID-19 infection and it will be covered fully by INF Advantage as a new sickness. INF Advantage is available to visitors who are already in the United States and does not have any restriction on the length of time the visitor has been in the US. INF Advantage will cover COVID-19 infections for major in-patient hospitalization, need for oxygen cylinders, and medication or other miscellaneous expenses required to treat the Coronavirus.

International Medical Group (IMG) travel insurance for Coronavirus

For new policies starting after March 11, 2020, there is no coverage for COVID-19 disease. The World Health Organization (WHO) in announcing coronavirus as a pandemic has designated the entire world a “level 3” travel zone. Since the coronavirus and COVID-19 is now a known threat (not an unknown possibility), it will no longer be covered by IMG policies. However, if your IMG policy had already started prior to the March 11th announcement and it was NOT to travel into a level 3 travel area (at the time of travel), you will be covered for COVID-19 and that coverage will continue on renewals to that policy.
The following clarifies the coverage by the Patriot travel insurance plans:

I have a short-term IMG travel medical insurance plan and I have departed my Home Country/Country of Residence – am I covered if I contract COVID-19?

Most of our travel medical plans provide coverage* for COVID-19 related care if you have purchased and entered the destination country prior to either: 1) the CDC issuing a Warning Level 3 (avoid nonessential travel) for your Destination Country; or 2) a government agency of your Home Country publishing or issuing a Travel Warning or Emergency Travel Advisory regarding your Destination Country.. Eligible Medical Expenses that may be considered for coverage include, but are not limited to, charges for illness, injury or medical evacuation.

I have purchased a short-term IMG travel medical insurance plan and I have not departed my Home Country/Country of Residence – am I covered if I contract COVID-19?

There is no coverage* if you have not departed your Home Country/Country of Residence and not entered the destination country prior to either: 1) the CDC issuing a Warning Level 3 (avoid nonessential travel) for your Destination Country; or 2) a government agency of your Home Country publishing or issuing a Travel Warning or Emergency Travel Advisory regarding your Destination Country.

I have not purchased a short-term IMG travel medical insurance plan, but I am thinking about purchasing – will I be covered for COVID-19?

There is coverage* as long as you depart your Home Country/Country of Residence and enter the destination country prior to either: 1) the CDC issuing a Warning Level 3 (avoid nonessential travel) for your Destination Country; or 2) a government agency of your Home Country publishing or issuing a Travel Warning or Emergency Travel Advisory regarding your Destination Country.

Disclaimer: * This is a summary of a selection of plan benefits offered only as an illustration and does not supersede in any way the Certificate of Insurance and governing policy documents (together the “Insurance Contract”). The Insurance Contract is the only source of the actual benefits provided.

Trawick International travel insurance

Trawick International travel insurance coverage for Coronavirus is also straightforward. If the travelers contracts the virus after the travel insurance effective date they are covered like any other sickness. If they have it before the effective date it is a pre-existing condition and would be covered as per the policy terms and conditions.

Snowbirds travel insurance for Canadians coming to Florida and other Southern US states in winter

Snowbirds travel insurance for Canadians 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.

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 website clearly states that Canadian health insurance is not valid outside Canada and it is recommended to buy travel insurance for Canadians visiting USA.

For seniors needing Canadian snowbird travel insurance, all relevant information is available at older traveler visitor insurance 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 insurance optionsand 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:

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Compare and buy travel insurance for Visitors to the USA

Popular Snowbird destinations in the US

Popular tourist destinations in Canada

Bay of Fundy
Bay of Fundy

The Bay of Fundy, located on the Atlantic coast in eastern Canada, is famous for its high tidal range.

Churchill
Churchill

Nicknamed the “Polar Bear Capital of the World,” it is one of the top tourist attractions in Canada.

Moraine Lake
Moraine Lake

Moraine Lake, in Banff National Park is one of the most photographed places in western Canada.

Gros Morne National Park
Gros Morne National Park

The ancient rocks in Gros Morne National Park help people understand how the oceans and continents were created.

INF travel insurance

INF travel insuranceINF offers visitors from Canada excellent travel medical insurance in the United States which includes adequate coverage for dental, loss of checked luggage, medical emergencies and accidents incurred while traveling. This works ideally for Canadian Snowbirds during their travel to the USA. Following are the best US travel insurance for Canadian Snowbirds.
List of plans :
Premier Plan Choice Plan Elite Network Advantage Plan
Compare INF plans
Fixed Benefits Plans Comprehensive Plans

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