Travel Insurance to USA from Canada
Traveling from Canada to the United States without travel insurance can expose you to significant medical expenses. Since Canadian provincial health plans offer only limited coverage outside Canada, purchasing U.S. visitor insurance is a smart way to protect yourself from unexpected healthcare costs. Coverage starts at less than $1 per day, with policy maximums available from $50,000 up to $2 million, helping cover eligible emergency medical treatment, hospitalization, and emergency medical evacuation during your stay.
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:
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.
Can Canada Tourists Buy Health Insurance in the USA?
Yes, Canada tourists can buy health insurance in the US. Canada citizens traveling to the United States on a B2 tourist visa are not required to show proof of health insurance for visa approval or entry. However, the U.S. does not provide public healthcare for visitors, and even basic medical treatment is charged at full private hospital rates.
As a result, most Canada tourists choose to purchase tourist medical insurance for USA from Canada before or after arrival to manage unexpected medical costs during their stay. Canada medical insurance for USA visitors can typically include emergency treatment, hospitalization, and urgent medical care while visiting the United States.
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 the 2024 American Community Survey (ACS), more than 830,000 Canadian-born individuals live in the United States, with many having become naturalized U.S. citizens over the years.
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.
How Much Does Travel Insurance to USA From Canada Cost?
The cost of travel insurance to USA from Canada depends on factors such as age of the traveler, duration of travel and stay, coverage needed, policy maximum amount chosen, and deductible selected.
Fixed benefit visitor insurance plans generally have lower premiums with limited coverage, while comprehensive travel health insurance plans provide broader medical coverage and higher policy maximums.
How Much Does the Cheapest American Health Insurance for Canadians Cost?
Cheapest American health insurance for Canadians can start at around $20 per month Safe Travels Advantage is one of the cheapest travel insurance to USA from less than $1/day for Canadian snowbirds and visitors seeking affordable coverage while traveling in the United States. Monthly premiums typically range from $20 to $155 based on the traveler and plan selected.
| Plan Name | Max Coverage | Deductible | Age 40 | Age 60 | Age 70 |
|---|---|---|---|---|---|
| Safe Travels Advantage Trawick International |
$25,000 - $150,000 | $0 | $20 - $58 | $39 - $102 | $60 - $166 |
| Visitors Care IMG |
$25,000 - $100,000 | $100 | $24 - $47 | $40 - $75 | $66 - $152 |
| Safe Travels Elite Trawick International |
$25,000 - $175,000 | $0 | $26 - $76 | $50 - $134 | $109 - $155 |
How Much Does Comprehensive Health Insurance for Canadian Visitors to USA Cost?
Comprehensive travel insurance for Canadians visiting USA typically costs between $71 to $353 per month.
| Plan name | Max Coverage | Age 40 | Age 60 | Age 70 |
|---|---|---|---|---|
| Safe Travels USA Cost Saver Trawick International |
$50,000 - $1,000,000 | $71 - $117 | $139 - $250 | $237 - $299 |
| Patriot America Lite IMG |
$50,000 - $1,000,000 | $72 - $130 | $153 - $289 | $252 - $337 |
| Patriot America Plus IMG |
$50,000 - $1,000,000 | $77 - $139 | $164 - $311 | $287 - $434 |
| Safe Travels USA Comprehensive Trawick International |
$50,000 - $1,000,000 | $90 - $168 | $172 - $351 | $294 - $470 |
| SafeVista Protect INF Insurance |
$100,000 - $1,000,000 | $93 - $127 | $215 - $248 | $320 |
| Diplomat America Global Underwriters |
$50,000 - $1,000,000 | $125 - $214 | $229 - $301 | $353 |
Prices verified for the 2026 travel season · Source: American Visitor Insurance®
What Are the Factors That Determine the Cost of Medical Insurance for Canadians in the USA?
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.
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.
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.
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.
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.
Adding optional benefits such as pre-existing condition coverage, trip interruption insurance, or emergency medical evacuation increases the total premium cost but enhances protection.
What Is the Cheapest Health Insurance for Canadians in the USA?
The Cheapest US medical insurance for Canadians is the Safe Travels Advantage plan, starting at $20 per month.
Other affordable short-term travel insurance for Canadians to USA options include Visitors Care and Safe Travels Elite.
Which Is the Best Travel Insurance for Canadians Visiting the USA?
The best travel medical insurance for Canadians includes Patriot America Plus, Safe Travels USA Comprehensive, SafeVista Protect, and Diplomat America.
Given the high cost of healthcare in the United States, it is important to choose the best medical insurance for visitors to USA from Canada that offers comprehensive medical coverage, emergency medical evacuation, and coverage for eligible acute onset of pre-existing conditions.
Which is the Best Travel Insurance for Canadian Seniors with Pre-existing Conditions?
The best travel insurance for Canadian seniors with pre-existing conditions includes INF Elite X, INF Premier X and Visitors Protect. INF Elite X and INF Premier X offer coverage for full pre-existing medical conditions for travelers up to age 99, making them excellent options for seniors seeking comprehensive protection. Visitors Protect also provides coverage for eligible pre-existing conditions up to age 99 and is a popular choice among elderly Canadian travelers. These plans are among the top choices for Canadian snowbird with pre-existing medical conditions visiting the USA.
INF Insurance
INF Elite X
INF Elite X is the best travel insurance for Canadian seniors with pre-existing medical conditions visiting the USA. The plan offers coverage for full pre-existing conditions for travelers up to age 99, making it one of the most comprehensive options available for Canadian senior travelers.
$75,000 (70-79)
INF Insurance
INF Premier X
INF Premier X is one of the best affordable pre-existing condition travel insurance for Canadian seniors visiting the USA. The plan provides coverage for full pre-existing medical conditions for travelers up to age 99, including future unexpected medical emergencies related to those conditions.
$100,000 (70-79)
IMG
Visitors Protect
Visitors Protect Insurance is one of the best travel insurance for elderly Canadian travelers with pre-existing conditions visiting the USA. The plan offers temporary medical insurance coverage for eligible pre-existing conditions for travelers up to age 99, making it a strong option for seniors seeking comprehensive protection.
$50,000 (70-79)
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
| Feature | Travel Insurance from USA | Travel Insurance from Canada |
|---|---|---|
| PPO Network Access | Many US-based insurance plans offer PPO networks with direct billing facilities, reducing out-of-pocket expenses for travelers. Popular networks include UnitedHealthcare PPO and First Health PPO. | Some Canadian or non-US insurance companies may have limited PPO network access in the USA, which can increase upfront medical costs. |
| Healthcare Network Coverage | US insurance companies provide access to extensive healthcare networks across the United States. | Canadian insurance companies often have strong healthcare support within Canada and North America. |
| Claims & Reimbursement | Many US travel insurance plans offer direct billing and cashless treatment options for easier claims handling. | Many Canadian insurance companies work on a reimbursement basis, requiring travelers to pay first and submit claims later. |
| Cost of the Plan | Many medical insurance for Canadian tourists in United States plans start from less than $1/day and often include comprehensive coverage, higher policy maximums, and flexible benefit options. | Canadian travel insurance plans can sometimes be more affordable but may include coverage limitations, reimbursement-based claims, or lower benefit amounts. |
| Customer Service | US insurance companies provide local customer support and faster assistance for claims in the United States. | Canadian companies often provide bilingual customer service, which may benefit travelers from diverse backgrounds. |
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.
$120,000
Stroke - 10-day ICU
$22,000+
Acute kidney failure
$20.000
Heart attack treatment
$5,000
Diabetes ER treatment
$3,000
Echocardiogram (NJ)
$176
Routine physician visit
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.
Family Travel Insurance for Canadians Visiting the USA
Families traveling from Canada to the United States for vacations, Disney trips, cruises, graduations, shopping getaways, sporting events, or family reunions should consider travel insurance before departure. While provincial health plans such as OHIP (Ontario), MSP (British Columbia), AHCIP (Alberta), and RAMQ (Quebec) may provide limited coverage outside Canada, they often do not cover the full cost of medical treatment in the USA. Even a single emergency room visit can result in substantial medical expenses. Compare and buy the best family travel insurance for USA from Canada on American Visitor Insurance. Find affordable medical travel insurance coverage for parents, children, grandparents, and extended family members traveling together, with plans available from less than $1 per day per traveler.
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:
Covers hospital and medical costs for sickness or accidents, including emergency care, hospitalization, and surgery while in the USA.
Some plans cover the acute onset of pre-existing conditions, subject to specific age limits and policy exclusions.
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.
Provides coverage for urgent care visits, consultations, and treatment for sudden illnesses or injuries during your stay in the USA.
Includes coverage for repatriating remains to Canada in the unfortunate event of death during travel.
Offers financial benefits in case of a severe accident resulting in death or loss of limbs.
Covers expenses related to lost, damaged, or delayed baggage during your trip to the USA.
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
Do Canadian Tourists Need Travel Insurance When Visiting the USA?
Travel insurance is not mandatory for Canadian tourists visiting the United States, but it is strongly recommended. Most provincial health plans provide limited coverage outside Canada, and medical treatment in the USA can be expensive. Medical insurance for tourists in USA can help cover eligible emergency medical expenses, hospitalization, urgent care visits, diagnostic tests, prescription medications, and emergency medical evacuation during your trip.
Whether you're visiting the USA for a vacation, shopping trip, cruise, sporting event, business travel, or an extended winter stay, having the right travel insurance for United States can provide valuable financial protection and peace of mind. Compare and buy the best health insurance for Canadian tourists visiting USA and review PPO networks, coverage limits, deductibles, and other important benefits before you travel.
Is Canadian Health Insurance Valid in the USA?
Canadian provincial health insurance is not valid for full medical coverage in the USA. In most cases, it provides little to no coverage for medical expenses outside Canada, especially for extended stays or snowbird travel.
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.
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.
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.
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.
info 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.
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 - Arizona
What Makes Snowbird Insurance Unique?
While a standard vacation is often brief, snowbirds will generally spend 3-6 months outside of Canada, which means:
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.
info 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.
What Should Canadian Snowbirds Consider Before Buying Travel Insurance for the US?
Ensure that the travel health insurance plan provides comprehensive flexible coverage for sickness and injuries, including emergency medical evacuation and repatriation.
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.
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.
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.
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.
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:
info 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.
Does Snowbird Insurance Cover Pre-Existing Conditions?
Most US health insurance for Canadian snowbirds plans cover the acute onset of pre-existing conditions, which means a sudden and unexpected flare-up that requires emergency medical treatment. However, they do not cover routine care or ongoing management of chronic conditions.
Travelers seeking more comprehensive pre-existing condition coverage may consider INF Premier X or INF Elite X plans, which offer broader benefits at a higher cost.
Acute Onset Coverage
- Included in most snowbird insurance plans
- Covers sudden medical emergencies related to a pre-existing condition
- Lower premiums
- Suitable for most healthy travelers and seniors
Popular Plans: Patriot America Plus, Safe Travels USA Comprehensive, Diplomat America
Full Pre-Existing Coverage
- Covers eligible pre-existing conditions beyond emergency flare-ups
- Includes broader protection for travelers with ongoing health concerns
- Available up to age 99 on select plans
- Higher premiums but more comprehensive coverage
Popular Plans: INF Premier X, INF Elite X, INF Elite X Plus
Which Pre-Existing Conditions Are Covered by US Travel Insurance?
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.
Why Buy CanadaTravel 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.
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.
Trusted by Thousands of Snowbirds Every Year
For nearly two decades, American Visitor Insurance helped thousands of Canadian and international snowbirds easily purchase insurance for extended stays in Florida, Arizona, Texas, Mexico, or island getaways in the Caribbean.
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?
Single Trip Travel Insurance
Compare and buy best US Single trip insurance for travel within the US and overseas.
Read more »Single Trip vs MultiTrip Travel Insurance
Compare Single trip vs multi trip insurance plans offered by US insurers.
Read more »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.
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.
Canada Travel Insurance and Health Insurance for Canadians in the US - FAQs
Travelers can compare fixed benefit and comprehensive visitor insurance plans to find the best health insurance for Canadians visiting the USA. Use the compare travel insurance tool to evaluate coverage, deductibles, and pre-existing condition options before purchasing online.
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.
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
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.
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?
Travel medical insurance to emergency medical expenses
Comprehensive coverage for pre-existing conditions/ailments
Travel insurance for Canadian seniors visiting USA
International student insurance for Canada students in USA
Travel health insurance for frequent travelers
Resourceful Tourist Health Insurance USA Information
Explore useful travel insurance guides, comparison tools, FAQs, and resources for visitors traveling to the USA.
Find the best visitor insurance plan based on your budget and travel needs.
Learn More →Understand how claims work for medical expenses, injuries, and sickness abroad.
Learn More →Simple guide to buying the best international travel insurance for the USA.
Learn More →Learn commonly used visitor medical insurance and travel insurance terms.
Learn More →Coverage options for tourists, students, cruises, J1 visa holders, immigrants, and more.
Learn More →Compare visitor insurance plans side by side to find the right coverage.
Learn More →Travel Medical Insurance for Visitors in USA - Information
Travel Insurance for USA Resources
International travel insurance resources for USA visa holders.
Read More →Factors for Travel Insurance USA Online
Important factors while deciding on the best travel insurance to USA.
Read More →Types of USA Travel Insurance Online
Different types of USA visa travel insurance options coverage.
Read More →USA Travel Insurance Claims Procedure
USA travel insurance claims process for medical care in a hospital.
Read More →Find the Best US Visitor Insurance Coverage - Blogs and Articles
Helpful blogs and travel insurance articles to compare plans, understand coverage, and buy the best visitor insurance for the USA.
Fixed benefit or scheduled benefit plans are among the most affordable travel insurance options.
Learn More →Explore travel insurance plans that include coverage for pre-existing conditions.
Learn More →Compare fixed benefit and comprehensive visitor insurance plans side by side.
Learn More →Learn why travelers compare and buy visitor medical insurance online before travel.
Learn More →Find affordable visitor insurance plans with reliable medical coverage for the USA.
Learn More →Understand deductibles, coinsurance, PPO networks, and how visitor insurance claims work.
Learn More →Best International Travel Insurance
Travel Insurance - Pre-existing conditions coverage
Compare and buy best pre-existing plans
Read more »International travel insurance resources
Compare and buy international travel insurance USA
Read more »What Are the US Travel Insurance 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.
- Atlas America Insurance
- Atlas International Insurance
- VisitorSecure Insurance
- Student Secure Insurance
lightbulb 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.
lightbulb LIMITATION: If you are physically in Canada, you are prohibited from purchasing these plans.You must be outside Canada at the time of application.
Travel Medical USA Visitor Insurance
lightbulb 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.
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