Travel insurance USA for Canadians visiting USA

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US insurance for travelers from Canada visiting USA

USA travel insurance for Canadians visiting USA

We are pleased to assist many clients from our neighbors to the north! The Government of Canada advises Canadians to buy US travel insurance even for short visits outside the country.

We often get queries from many Canadian residents particularly from Ontario, British Columbia and Quebec, in particular from the cities of Toronto, Montreal, Calgary, Vancouver, Ottawa and Edmonton who visit the southern states of the US (Florida, Texas, California, Arizona ...) to enjoy warmer climes during the winter months. Whether you are visiting for a few days, you are a student who will stay for several years, or spend part of the year in a winter home here, we can find the perfect Canadian travel insurance for USA plan for you!

Canadians coming to the US regularly, or living either in the US or Mexico for part of the year might want to consider our Global medical plans. The applications are however reviewed by an underwriting team and applications can have riders or exclusions for certain existing ailments. These global plans provide better coverage including preventive care and pre-existing condition coverage and can be renewed for a longer period when compared to the shorter term visitor insurance plans. These global insurance plans are purchased on an annual basis, though the payment can be on a monthly, quarterly, semi-annual or annual basis.

Long term insurance - Get Quotes

Snowbird travel health insurance for Canadians visiting USA

A lot of Canadians travel across the southern border to the US during the winter months. The reasons for travel, be it for warmer weather for the snowbirds. It is important to buy proper health insurance with adequate coverage in the United States. The "Canadian government authorities advise Canadians to buy best travel insurance from Canada to USA " while traveling overseas from Canada. Given the high cost of healthcare in the US, it is not worth the risk of being uninsured while visiting the United States.

Popular Snowbird destinations

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

Tourist information for Canadians traveling to the USA

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US immigrant insurance mandatory for prospective immigrants from Canada

The US government has proposed a new rule on October 4th 2019 which makes it mandatory for prospective new immigrants to the US to provide proof of proper health insurance coverage in the US. This new rule is effective from November 3rd 2019.
This rule will impact new immigrants to the US from Canada who are family members of current US citizens and are applying for US immigrant visas. Failure to show proper US immigrant health insurance will be grounds to deny the visa according to this new rule. While specifics of the new immigrant insurance are still to be announced, the new US immigrant insurance plans that we offer on American Visitor Insurance work well as short term health insurance which US immigrants till they are eligible for other domestic US insurance plans.

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US travel insurance for visiting Canada

Over 20 million tourists visited Canada in 2017, this was partly due to events celebrating Canada's 150th birthday. With the Canadian government declaring 2018 as ‘The Year of Tourism’ and thanks to initiatives like relaxed visa requirements, increased direct flights to Canada and greater publicity with The Lonely Planet declaring Canada as a top tourist destination, Canada hopes to increase the number of tourists in the coming years even more. Most tourists visiting Canada are from the United States, China, Mexico, Brazil and India.
Are US citizens medical expenses covered in Canada? Does Medicare pay for US citizens visiting Canada? These are questions that we regularly receive from US travelers visiting Canada. US domestic health insurance plans provide little to no insurance cover outside the US national borders. It is important for US visitors to Canada to buy proper travel health insurance while in Canada. We have even had instances of travelers call us from the US/Canada land border who are asked to buy proper travel insurance before entering Canada.
International tourists should be aware that unlike Canadian residents who have health care cover, international tourists visiting Canada have to pay for any medical services received. A day's stay at a Canadian hospital can cost up to $4,000 and an emergency room visit can cost up to $1,000. It is therefore important for international travelers visiting Canada to buy proper travel medical insurance. All the travel insurance plans on our website are administered by companies based in the United States, but work ideally in Canada as they are available to travelers of any nationality while traveling outside their home country. The travel health insurance plan costs are based on the age of the visitor, the duration of stay, the deductible and the medical coverage of the policy. We recommend between $100,000 to $250,000 maximum medical coverage for your stay in Canada. While costs are lower than those in the US, they are still quite high.

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.

travel insurance for visiting Canada

Canada - General information

  Location

North America

  Capital

Ottawa

  Language

English, French

  Currency

Canadian Dollar

  Population

Around 36 million

  Best time to visit

Sep, Oct

  Vacation spots

Banff National Park, Toronto, Vancouver, Banff, Montreal, Niagara falls, Quebec city, Whistler, Lake Louise.

Popular cities in Canada

Calgary

Calgary

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Edmonton

Edmonton

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Montreal

Montreal

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Quebec City

Quebec City

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Whistler

Whistler

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Ottawa

Ottawa

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Toronto

Toronto

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Vancouver

Vancouver

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Travel health insurance for US pensioners, older US travelers (65+ years) visiting Canada

Globehopper insurance offered by International Medical Group (IMG) is a travel health insurance plan specifically designed for US citizens and US permanent residents 65 years and older. The GlobeHopper Senior plan is available either as the GlobeHopper Single-Trip plan for single trips with coverage from 5 days to 365 days, or as the GlobeHopper Multi-trip plan which covers a period of 12 months with a maximum of 30 days for each overseas trip. The GlobeHopper Senior plan is very popular as it provides coverage up to $1 million for travelers less than 79 years and $100,000 for travelers more than 80 years old. The plan includes $2,500 cover for sudden unexpected recurrence of an existing medical ailment and $25,000 for emergency medical evacuation

More information
Globehopper travel insurance for older US travelers

This is an excellent question and our website strives to answer this question for our customers. Due to the different needs of different travelers there is no "one size fits all", and not one policy is always best for everyone in their unique situation. If you are a traveler with concerns about a pre-existing medical condition that cause an emergency, then you will be looking at different travel insurance for Canada than someone without a life-threatening pre-existing condition. We endeavor to be as transparent as possible and give our clients as much information as available so they can find the best Canada travel health insurance plan for their needs. Or, if you want some guidance, you can contact us and our licensed agents are here to help you with your travel insurance decision!

  • Regular visitors to the US and Canada are aware that costs of medical care can be very high. To protect yourself and your loved ones from these costs, we highly recommend purchasing insurance for any travel outside your home country.
  • We have a variety of plans available that may be purchased for as few as 5 days, and up to 12 continuous months. You do not have to purchase whole months, and can buy as many days as you need (so long as it is more than the minimum of 5 days).
  • If you are not sure how long you will stay, many policies offer the option to renew or extend the policy if you first purchase three months worth of coverage.
  • Please be aware that preventive care expenses such as for routine or maintenance check-ups, treatment or medication are not covered by these insurance plans.


  • To initiate the claim process call toll free number mentioned on the plan document or brochure.
  • The claims desk at the insurance company will assist you in choosing the type of claims and documents required.
  • If you are going for direct billing then the insurance company will pay the hospital directly after the deductible amount paid by insured.
  • If it is not a direct billing then the insured should pay medical expenses and then claim for reimbursement from the insurance company.
  • The benefit of direct billing is you go through a PPO network and co insurance will be less.


What are the visa requirements for non US citizens visiting Canada?

There are more than 35 million annual visitors to Canada either as tourists, students, temporary workers, visitors or businessmen... While US citizens and residents do not need a visa to visit Canada, foreign visitors visiting Canada from many other nations need to apply for a temporary Resident Visa.

Recently a new visa known as Parents and Grand Parents Super Visa has been announced by the Canadian government. This helps Canadian citizens whose parents and grandparents (who are not Canadian citizens) want to visit Canada and stay for up to 2 years without any need to renew the status.


Documentation for temporary resident visa in Canada

  • A valid travel document such as passport.
  • 2 passport size photos (recently taken).
  • Application fee (Fee is non refundable even if the visa application is rejected).
  • Proof of financial support, accommodation and duration of stay.
  • Other documents such as identification cards, proof of employment, letter of invitation, proposed itinerary...

What are the US travel insurance plan limitations for travel to Canada?

These plans have limitations for travelers or students located in Canada:

HCCMIS
LIMITATION: These plans are not available to individuals who are physically located in Canada at the time of purchase. However, you can buy this plan or arrival in the US (if for example, you stay longer than expected, the Atlas plan can be purchased to cover you until your return to Canada).
Travel Insurance Services
LIMITATION: If physically located in Canada, you are prohibited to purchase these plans.
Seven Corners
LIMITATION: Seven corners offers these plans. However these plans do not accept an address in Canada. Customer may use overseas home country address.

Student insurance for Canadian students in the US

There are over 25,000 Canadian students studying in US universities, make Canada the fifth highest source of international students in the country. Nearly half the Canadian students are in undergraduate programs, while the other half are in Graduate programs and in the Optional Practical Training (OPT) status. The number of Canadian students in the US has remained for nearly a decade now.

Canadian students in the US should buy proper student medical insurance given the high cost of healthcare in the US. While most Universities insist that students buy the University insurance, some universities allow students to buy insurance outside the college as long as it satisfies certain guidelines. The international student insurance plans that we offer are cheaper than most University plans while being comparable in coverage. Canadian students on the OPT status will find our OPT student insurance plans particularly attractive given their affordability and coverage.
insurance for canadian students in the US

Europe travel insurance for Canadian residents

Schengen visa information for Canadian citizens

Canadians Citizens with a valid Canadians passport can travel to the Schengen states up to a maximum of 90 days without the need of a Schengen visa.
Requirements for traveling to the Schengen region:

  1. A valid Canada passport with a minimum of three months validity beyond the departure date from the Schengen area.
  2. Valid reason for travel.
  3. Proof of adequate financial resources to support oneself during the entire stay in the Schengen region.
  4. Any compliance or entry requirements specific to the country of travel or transit.

Canadians residents but non Canadian citizens visiting Europe (Schengen region)

Most Non Canadians citizens need to apply for the Schengen visa. Please check Nationalities who need Schengen visa. Canadians residents but Non Canadians citizens need to provide the proof of resident status in the Canadians to apply for a Schengen/short stay visa. The visa and the Canadians resident status must be valid for at least 3 months after the last day of stay in the Schengen area.

Long Term Europe visa - Long stay in the Schengen Region (More than 90 days)

If you want to stay in the Schengen area for more than 90 days you must apply for a residence permit and not a Schengen visa. One of the requirements for Long Term Europe stay visa is the mandated Schengen visa insurance. Specific instructions for residence permit is available on the respective embassy/consulate's website.
Please note that it is prudent to give adequate processing time while applying for the Schengen visa. This is particularly true during the peak travel months in Summer and in Winter.
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