Best Travel Insurance for Canadians Visiting the US

📘 Learn Whether to Buy Travel Insurance from the USA or Canada

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 👇

🌐 PPO Network: Many US based insurance plans offer PPO networks that provide direct billing facilities. In contrast, some European or non-US companies may lack PPO networks in the USA, leading to higher out-of-pocket expenses.

🏥 Wide Network: Canadian insurance companies often have extensive healthcare networks within Canada, making it easier to get coverage throughout North America.

💳 Reimbursement Basis: Many Canadian based insurance companies operate on a reimbursement basis, requiring upfront payment for medical services. In contrast, US insurance companies often offer direct billing options for easier claims handling.

💰 Cost of the Plan: Insurance plans in Canada can be more affordable but may include coverage limitations. Meanwhile, US insurance companies offer comprehensive travel insurance plans with flexible and extensive coverage benefits.

📞 Customer Service: US insurance companies provide local customer service, ensuring faster claims support. Canadian companies often provide bilingual customer service, which is ideal for travelers from diverse backgrounds.

⚖️ Regulations: US insurance plans follow strict government regulations and consistently honor policy terms, offering transparency and reliability to travelers.

Which Is the Best Travel Medical Insurance for Canadians?

The best travel medical insurance for Canadians is the TrueNorth Travel Medical plan. It offers high coverage limits, unlimited evacuation and repatriation, and 24/7 travel assistance for international trips.

Designed for Canadians traveling abroad, TrueNorth Travel Medical Insurance provides comprehensive emergency medical protection at an affordable price—ensuring strong benefits and complete peace of mind wherever you go.

TrueNorth Travel Medical Insurance

TrueNorth Travel Medical is an accident and sickness insurance plan designed exclusively for Canadian residents, providing affordable coverage and 24/7 travel assistance for a single international trip.

This TrueNorth Travel Medical Insurance plan offers reliable protection for Canadians traveling abroad, though it is not available in certain provinces and territories or for travel to Israel and countries restricted by Canada Global Affairs.

Best for Canadian residents traveling outside of Canada.
Available for travelers up to age 59.
Offers single-trip coverage.
Provides unlimited coverage repatriation of remains.
Unlimited emergency medical evacuation.
Emergency medical coverage up to $5,000,000.
10-day free look period.
TrueNorth Travel Medical insurance starts from $125 for a 40-year-old traveler

Which Is the Best Trip Cancellation Insurance for Canadians?

The best trip cancellation insurance for Canadians is the TrueNorth Trip Protection Plus plan, offering comprehensive coverage, higher limits, and robust benefits. For travelers seeking a more affordable choice, the TrueNorth Trip Protection Lite plan provides essential benefits at a lower cost while still ensuring reliable protection for Canadian travelers.

TrueNorth Trip Protection Lite Insurance

Eligible for Canadian residents traveling internationally.
Covers trip cancellation coverage up to $25,000.
Trip Interruption is covered up to 100% of trip cost.
The maximum trip duration depends on your age (0–59 years - 90 days, 60–69 years - 30 days, 70–89 years - 16 days).
Covers unlimited repatriation of remains.
Not available in NB, NT, NU, PE, QC, or YT.
Includes 24/7 non-insurance emergency travel assistance.
TrueNorth Trip Protection Lite insurance cost for a 40 year old traveler starts from $95 for 15 days trip duration with $1000 trip cost.

TrueNorth Trip Protection Plus Insurance

Available for Canadian residents traveling outside of Canada.
Offers trip cancellation coverage up to $25,000.
Trip interruption coverage up to $25,000.
Includes trip delay coverage up to $2,000.
Coverage for baggage and personal effects is up to $1,500.
Emergency medical expenses is covered up to $5,000,000.
Not available in NB, NT, NU, PE, QC, or YT.
The maximum trip duration depends on your age (0–59 years - 90 days, 60–69 years - 30 days, 70–89 years - 16 days).
TrueNorth Trip Protection Plus insurance cost for a 40 year old traveler starts from $165 for 15 days trip duration with $1000 trip cost.

Which is the Best Annual Travel Medical Insurance for Canadians?

The TrueNorth Annual Travel Medical Insurance plan is the perfect option for frequent Canadian travelers throughout the year. In one complete policy, this annual travel medical insurance for Canadians provides substantial medical coverage, emergency evacuation and repatriation with no limit, and 24/7 global travel assistance. The TrueNorth Annual Travel Medical Insurance plan eliminates the hassle of buying separate coverage for every trip—offering consistent protection, cost savings, and peace of mind each time you travel abroad.

TrueNorth Travel Medical Insurance

Best for Canadian residents traveling outside of Canada.
Plan offers 15 day or 30 day multi-trip coverage.
Provides unlimited coverage evacuation and repatriation of remains.
Emergency medical expenses up to $5,000,000.
10-day free look period.
TrueNorth Annual Travel Medical Insurance starts at just $120 for a 30-day trip for a 40-year-old travel

Travel Insurance: USA or Canada – Which Should You Choose?

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.

💵 A routine physician’s visit in the U.S. can cost around $176.
🩺 An echocardiogram may cost about $1,000 in Massachusetts and up to $3,000 in New Jersey, depending on the provider.
💉 Treatment for Diabetes Mellitus with Hyperglycemia in an emergency room can cost between $2,500 and $5,000.
🧠 A stroke requiring a 10-day ICU stay could total $120,000.
❤️ Heart attack treatment including ambulance, ER, ICU, EKG, MRI, and ongoing cardiac care may reach about $20,000.
🧪 The average treatment cost for acute kidney failure exceeds $22,000.

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.

How Much Does US Health Insurance for Canadian Citizens Cost?

The premium cost of travel medical insurance for Canadians in the USA isn’t fixed. It varies based on several important factors such as the age of the individual, duration of travel and stay, coverage needed, policy maximum amount chosen, and deductible selected. Each of these factors plays a major role in determining your total insurance cost.

🧓 Age of the traveler – Older travelers usually pay higher premiums.
📅 Length of stay – Longer trips increase the overall insurance cost.
💵 Coverage amount – Higher policy maximums mean better protection but higher premiums.
📜 Deductible chosen – Lower deductibles result in higher plan premiums and vice versa.

Plan Types

✅ fixed benefit plan → Specify set charges for each medical service (lower premiums, limited coverage).
✅ comprehensive plan → Broader protection, extending coverage up to the policy maximum limit (higher premiums, better coverage).

👉 Since premiums vary for travel medical insurance for Canadians in the USA, it’s best to compare multiple plans to find the right balance of cost and coverage.

How much does the most affordable American health insurance for Canadians cost?

The most affordable option for Canadian snowbirds visiting the U.S. is the Safe Travels Advantage plan, which starts at around $20 per month.

💵 Premiums can range from $20 to $155 per month, depending on:

👤 Age of the traveler.

💰 Policy maximum (coverage limit).

🧾 Deductible amount chosen.

📌 Tip: On average, a fixed benefit visitor insurance plan like Safe Travels Advantage offers budget-friendly protection for Canadians in the U.S. — making it a popular choice for travelers who want reliable coverage without high premiums.

Plan Name	Plan max range	Deductible	Age 40	Age 60	Age 70
Safe Travels Advantage	$25,000 - $150,000	$0	$20 - $58	$39 - $102	$60 - $166
Visitors care	$25,000 - $100,000	$100	$25 - $47	$40 - $75	$66 - $152
Venbrook Essential	$25,000 - $150,000	$0	$26 - $81	$49 - $124	$68 - $147
Safe Travels Elite	$25,000 - $175,000	$0	$26 - $76	$50 - $134	$109 - $155

Source: American Visitor Insurance®

How much does the comprehensive and best travel insurance for Canadians in USA cost?

For Canadians seeking strong medical coverage in the U.S., one of the most popular comprehensive plans is the Safe Travels USA Cost Saver.

Premiums typically range from $71 to $353 per month
Pricing depends on:
- 👤 Traveler’s age
- 💰 Policy maximum (coverage limit)
- 🧾 Deductible chosen (average example: $250)

Unlike budget fixed-benefit plans, Safe Travels USA Cost Saver is a comprehensive plan, meaning it covers eligible expenses up to the policy maximum — offering broader protection and peace of mind for snowbirds and long-term visitors.

Plan name	Plan maximum	Age 40	Age 60	Age 70
Safe Travels USA Cost Saver	$50,000 - $1,000,000	$71 - $117	$139 - $250	$237 - $299
Venbrook Premier	$50,000 - $1,000,000	$77 - $135	$176 - $346	$352 - $437
Visitors Preferred	$50,000 - $1,000,000	$77 - $144	$148 - $301	$253
Patriot America Lite	$50,000 - $1,000,000	$72 - $130	$153 - $289	$252 - $337
Patriot America Plus	$50,000 - $1,000,000	$77 - $139	$164 - $311	$287 - $434
Safe Travels USA Comprehensive	$50,000 - $1,000,000	$90 - $168	$172 - $351	$294 - $470
SafeVista Comprehensive	$100,000 - $1,000,000	$93 - $127	$215 - $248	$320
Diplomat America	$50,000 - $1,000,000	$125 -$214	$229 - $301	$353

Source: American Visitor Insurance®

What is the Best Travel Insurance for Canadians in USA?

Given the high cost of healthcare in the U.S., it's important to choose a plan with comprehensive medical coverage, emergency evacuation, and benefits for pre-existing conditions. The best medical insurance for visitors to USA from Canada are:

Safe Travels USA Comprehensive Insurance

Travel medical insurance plan for non-U.S. citizens visiting USA.
Covers acute onset of pre-existing conditions up to age 69, with a medical maximum limit. Cardiac disease coverage is covered up to $25,000.
Emergency medical treatment of pregnancy covered up to $1,000.
Offers optional coverage for sports activity rider.

 Policy maximum?
$50,000, $100,000, $250,000, $500,000, $1,000,000

 Period of coverage?
5 days to 364 days

 Deductible options?
$0, $100, $250, $500, $1,000, $2,500, $5,000

Patriot America Plus Insurance

Best plan for Canadians traveling to United States.
Covers acute on set of pre-existing conditions up to 70 years. $25,000 for emergency evacuation.
Urgent Care Clinic covered up to $25 copay.
Offers optional coverage for adventure sports rider.

 Policy maximum?
$50,000, $100,000, $500,000, $1,000,000

 Period of coverage?
5 days to 12 months

 Deductible options?
$0, $100, $250, $500, $1,000, $2,500

Diplomat America Insurance

Ideal for individuals traveling outside their home country and within the USA.
Covers acute on set of pre-existing conditions up to 70 years. $25,000 for emergency evacuation.
Optional coverage for athletic and hazardous sports.
Minimum purchase is 15 days.

 Policy maximum?
$50,000, $100,000, $250,000, $500,000, $1,000,000

 Period of coverage?
15 days to 365 days.

 Deductible options?
$0, $50, $100, $250, $500, $1,000, $2,500, $5,000

Visitors Protect Insurance

Ideal for individuals and families traveling from their home country to the U.S.
Pre-existing conditions covered up to 99 years.
Emergency medical evacuation up to $25,000.
Urgent care covered up to $25 copay

 Policy maximum?
$50,000, $100,000, $250,000

 Period of coverage?
 90 days up to 12 months.

 Deductible options?
$250, $500, $1,000, $2,500, $5,000

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:

🏥 Health Care Expenses

Covers hospital and medical costs for sickness or accidents, including emergency care, hospitalization, and surgery while in the USA.

🩺 Doctor visits

Provides coverage for urgent care visits, consultations, and treatment for sudden illnesses or injuries during your stay in the USA.

💊 Prescription Medication

Insures eligible costs for doctor-prescribed pharmacy drugs needed due to covered sickness or injury.

🚑 Emergency Medical Evacuation:

Covers transportation costs to the nearest suitable medical facility in case of a life-threatening emergency.

⚰️ Repatriation of Remains

Includes coverage for repatriating remains to Canada in the unfortunate event of death during travel.

🩹 Pre-Existing Conditions

Some plans cover the acute onset of pre-existing conditions, subject to specific age limits and policy exclusions.

💀 Accidental Death & Dismemberment

Offers financial benefits in case of a severe accident resulting in death or loss of limbs.

🧳 Lost Luggage

Covers expenses related to lost, damaged, or delayed baggage during your trip to the USA.

🛂 Lost or Stolen Passport

Provides assistance and reimbursement for costs involved in replacing a lost or stolen passport while in the USA.

How Does Provincial Health Coverage Work for Canadian Snowbirds?

Canadian snowbirds need to understand that provincial health plans offer very limited protection once you are outside your home province or outside Canada.

🌎 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.

📝 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.

⚠️ 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.

⚖️ 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.

👉 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.

What Happens If Snowbirds Stay Longer Than Intended?
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) in Arizona, February 2024

While golfing in Scottsdale, John experienced chest pain and was rushed to the nearest hospital. He was admitted for two days of testing and treatment. The total medical bill exceeded USD 36,000.
Fortunately, John’s snowbird travel medical plan included direct billing with the hospital, so most charges were settled directly by the insurer. John only paid his $250 deductible. For the claim, he submitted the hospital admission records, cardiologist’s report, and discharge papers. The insurance company processed the claim in 18 days, and John was not responsible for any additional out-of-pocket costs.
Lesson learned: Choosing a plan with direct billing and strong emergency coverage ensures quick treatment without the stress of handling large upfront medical expenses.

What Makes Snowbird Insurance Unique?

While a standard vacation is often brief, snowbirds will generally spend 3-6 months outside of Canada, which means:

There will be greater exposure to medical risks.
Claims are more likely because of age-related issues.
Provincial health insurance coverage is limited — most provinces only cover a small portion of out-of-country expenses.
Immigration and tax issues if you stay in the U.S. too long.

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.

👉 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.

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:

🤰 Maternity care
💧 Urinary tract infections (UTIs)
🧬 Sexually transmitted diseases

🎗️ Cancer treatment
💸 Long-term or expensive medical procedures

👉 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.

Best Travel Insurance Options for Canadians with Pre-Existing Conditions

At American Visitor Insurance, we help thousands of Canadian travelers find travel health insurance for trips to the USA. Many Canadians want to extend coverage beyond what their Canadian plan provides, but continuing coverage usually requires returning home. Our travel insurance for Canadian residents starts immediately after your existing plan ends, avoiding extra travel and expenses.

Coverage for Pre-Existing Medical Conditions

Our plans are ideal for Canadians with pre-existing medical conditions who cannot get coverage from Canada. Some plans cover the acute onset of pre-existing conditions:

Does not cover ongoing treatment or medications
Activates in case of an unexpected flare-up from a stable condition
Compare quotes with home country options or consider if travel plans change

Top Travel Insurance Plans for USA from Canada

Choosing the best travel insurance depends on your needs. Plans with worldwide coverage are ideal. Popular options include:

Atlas Travel Plan

From WorldTrips, offering worldwide coverage and flexibility for travelers with pre-existing conditions.

INF Elite X Insurance

Recognized for the best coverage of pre-existing conditions, ideal for Canadian travelers to the USA.

Safe Travels USA Comprehensive Insurance

From Trawick International, covers the acute onset of pre-existing medical conditions.

Diplomat America

From Global Underwriters, provides coverage for adventurous or extreme sports for travelers with pre-existing conditions.

Why Travel Insurance to USA is Expensive

Travel insurance to USA is often costly because healthcare in the United States is very expensive. Premiums increase with age, medical history, and plans covering pre-existing conditions. Specialized plans for older travelers or those needing higher coverage can further raise costs.

What Is the Best US Visitors Insurance with Pre-Existing Conditions Coverage?

The best health insurance for visitors to USA with pre-existing conditions is listed here:

INF Elite X Insurance

The INF Elite plans are designed for travelers who need coverage for full pre-existing medical conditions up to age 99 years.
These plans are comprehensive and available for people traveling to the US.
Provides flexible coverage tailored to individual traveler needs.
Minimum purchase of 90 days is required on the plans.

Safe Travels USA Comprehensive Insurance

Safe Travels USA Comprehensive offers coverage for acute onset of pre-existing conditions up to age 70.
For travelers under 70, it covers medical treatment up to the policy maximum.
Cardiac-related treatment is covered up to $25,000.

Patriot America plus Insurance

Patriot America Plus is a comprehensive travel insurance plan covering acute onset of pre-existing conditions up to the chosen maximum limit for travelers aged up to 70.
Available for Non-US citizens traveling to the USA.
US citizens and Non-US residents living abroad can purchase this plan for short visits to the US.
Suitable for Green Card holders, as long as they reside outside the US.

Visitors Protect Insurance

Visitors Protect is a comprehensive visitor medical insurance plan covering pre-existing conditions up to age 99.
Minimum purchase of 90 days is required on the plan.
An affordable option for visitors traveling to the US.

Safe Travels USA Insurance

Safe Travels USA is a budget-friendly travel medical insurance plan.
Covers sudden, unexpected recurrence of a pre-existing condition.
Available for Non-US Citizens and Non-US Residents visiting the USA.
Covers travelers up to age 89.

Which Is the Best Travel Insurance for Canadians Visiting the USA?

When Canadians are planning a trip to the USA, selecting the right travel insurance is crucial, especially for those with pre-existing medical conditions. Among the available options, the following INF plans stand out for their comprehensive coverage and benefits:

SafeVista Protect

Affordable comprehensive plan covering acute onset of pre-existing conditions.

Policy Maximum^?

$100,000 - $1,000,000

Deductible^?

$0 - $5,000

Period of Coverage^?

10 days to 364 days

Pre-ex coverage^?

Acute on set pre-exisiting conditions ^?

Medical Evacuation^?

Up to $25,000

PPO Network^?

Starting at

$70/month ^?

INF Premier X

Affordable fixed-benefit plan with full pre-existing condition coverage.

Policy Maximum^?

$100,000 - $1,000,000

Deductible^?

$75 - $5,000

Period of Coverage^?

90 days to 364 days

Pre-ex coverage^?

Full pre-exisiting conditions ^?

Medical Evacuation^?

Up to $85,000

PPO Network^?

Starting at

$244/90 days ^?

INF Premier X Plus

Fixed-benefit plan with full pre-existing, preventive, and maintenance care.

Policy Maximum^?

$300,000

Deductible^?

$75 - $5,000

Period of Coverage^?

90 days to 364 days

Pre-ex coverage^?

Full pre-exisiting conditions ^?

Medical Evacuation^?

Up to $45,000

PPO Network^?

Starting at

$960/90 days ^?

INF Elite X

Comprehensive plan covering 80% of eligible medical expenses with full pre-existing protection up to age 99.

Policy Maximum^?

$$150,000 - $1,000,000

Deductible^?

$100 - $5,000

Period of Coverage^?

90 days to 364 days

Pre-ex coverage^?

Full pre-exisiting conditions ^?

Medical Evacuation^?

Up to $25,000

PPO Network^?

Starting at

$548/90 days ^?

INF Elite X 90

Comprehensive plan covering 90% of eligible medical expenses with full pre-existing protection up to age 99.

Policy Maximum^?

$$150,000 - $1,000,000

Deductible^?

$100 - $5,000

Period of Coverage^?

90 days to 364 days

Pre-ex coverage^?

Full pre-exisiting conditions ^?

Medical Evacuation^?

Up to $25,000

PPO Network^?

Starting at

$632/90 days ^?

INF Elite X Plus

Comprehensive plan 90% coverage with full pre-existing, preventive, and maintenance care up to age 99.

Policy Maximum^?

$150,000 - $300,000

Deductible^?

$100 - $5,000

Period of Coverage^?

90 days to 364 days

Pre-ex coverage^?

Full pre-exisiting conditions ^?

Medical Evacuation^?

Up to $25,000

PPO Network^?

Starting at

$995/90 days ^?

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.

Popular cruise travel insurance for Canada

Compare and buy best Canada cruise travel insurance.

Canadian Travel Insurance

person

Canadian seniors travel insurance

Travel insurance for Canadian seniors.

flag

Long term travelers

Few months or more of living outside Canada.

flight

Canada travel insurance

Travel medical insurance for visiting Canada.

work

Annual multitrip travelers

Corporate travelers who travel frequently outside Canada.

flight

Canadians traveling to USA

Compare quotes online for best insurance online.

flight

US citizens traveling to Canada

Travel insurance for US citizens traveling to Canada.

US Medical Insurance for Canadians

Compare and buy cheap travel insurance for Canadian travelers visiting the US.

Do I Need Travel Insurance from Canada to USA During Winter?

Can I Get US Insurance When I Am Already in the US?

YES! Canadians CAN purchase US travel insurance policies from American Visitor Insurance to cover the remainder of their stay (as long as they like).

Can I Use Canadian Health Insurance While Living in the US?

Canadian health insurance cannot be used if you are living outside of Canada for an extended period or permanently. Consider reviewing your insurance needs if you are living or planning to live abroad. Local insurance laws may require travel medical insurance as proof for your visa application.

Note: Our policies are generally renewable. If plans change (as they often do), you can extend policies from a minimum of 5 days up to 12 months. Coverage is available up to $100,000 for persons in their 70s and up to $50,000 for persons in their 80s. Use our search engine to find the best prices based on age and deductible.

The deductible on a comprehensive travel insurance USA policy is generally a one-time payment for any medical expenses (doctor visit, ER visit, medications, etc.). A higher deductible results in a lower premium cost, so balance what you can pay in case of medical attention versus monthly/day cost.

When purchasing US travel insurance, use your Canadian address as your "home" or "residence" address, regardless of owning a US home. The "residence" country and "destination" country CANNOT be the same. Choose a start date as the first day you need coverage. Even if you select a "trip end date," most policies can be extended without issue.

Important: Coverage for pre-existing conditions is very limited on most US visitor policies for foreign visitors. Some policies cover the "acute onset" of pre-existing conditions (life-threatening emergencies), but most chronic and congenital disorders are excluded. For cardiac coverage, consider:

Safe Travels Elite

Coverage: $25,000

Safe Travels Comprehensive

Coverage: $15,000

Other affordable plans include Elite, Elite Plus, Elite 90, Premier Plus, and Premier, especially if purchased for 90+ days initially.

While traveling in the US always carries some risk, travelers do have travel insurance options. Compare US travel insurance for Canada and select a plan that best fits your needs.

✅ As ever, we wish you safe and happy travels!

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.

Annual multi-trip travel insurance for Canadians

🕒 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.

Why Is Canadian Expat Health Insurance Important?

Canadian expat health insurance is essential for Canadians who choose to live, work, or retire outside Canada. While Canadians are protected by the country’s universal healthcare system and supplemental insurance at home, this coverage typically expires after 6–8 months of living abroad.

Depending on the duration of stay, Canadians need either supplemental or replacement health insurance to ensure continuous protection. Having expat medical insurance safeguards travelers and long-term residents from high medical costs in the USA and other countries where universal healthcare is not available.

Choosing the right Canadian expat health insurance plan ensures peace of mind and financial security during unexpected illnesses or accidents overseas. For more information on affordable and comprehensive coverage, explore US expat health insurance plans tailored specifically for Canadians living abroad.

Canada Travel Insurance and Health Insurance for Canadians in the US – FAQs

Can I use Canadian insurance in the USA?
Canadian insurance may provide limited coverage in the USA, but most plans do not fully cover medical expenses incurred abroad. It's advisable to purchase travel insurance for comprehensive protection during your stay in the US. Please free to contact us at (877)-340-7910 or email and one of our licensed agents to get help finding best Canadian travel medical insurance to the USA.

What is the most expensive American travel insurance?
There is no one insurance plan that is most expensive. Any comprehensive plan that can offer a policy maximum coverage for up to $1,000,000 can be the most expensive. Here are a few listed for you:
Patriot America Platinum from the company IMG: This plan offers a policy maximum of up to $8,000,000. Offers coverage for US and Non US citizens traveling to the US.
Safe Travels USA Comprehensive plan from Trawick International: Plan offers coverage for Non US residents traveling to USA or USA and then other countries up to $1,000,000 up to 80 and after 80, $20,000 is the policy maximum option available.
Visitors Protect plan from IMG: Offers medical maximum coverage of up to $250,000 for individuals up to 70 years old. For those above 70 years, the maximum coverage is $50,000, and it provides coverage for acute onset of pre-existing conditions up to 99 years. The minimum purchase requirement for coverage is 3 months.

Does Canadian health insurance cover in the USA?
Most Canadian health insurance plans do not fully cover medical expenses in the U.S. Provincial health plans may provide limited emergency coverage, but they won’t cover the full cost of treatment, hospitalization, or medical evacuation. Since U.S. healthcare cost is very expensive, travelers are recommended to purchase travel medical insurance for USA from Canada to avoid high out-of-pocket costs in case of illness or injury. For more details please feel free to contact us at (877)-340-7910 or email and one of our licensed agents will be happy to assist you!.

What happens if a Canadian gets sick in the USA?
If a Canadian gets sick in the USA, they will need to pay for medical treatment out of pocket unless they have travel insurance. Without travel insurance, medical costs in the U.S. can be extremely high, including hospital stays, doctor visits, and emergency treatments. Having a travel medical insurance plan ensures that unexpected medical expenses are covered, providing financial protection and access to necessary healthcare services.

Will US travel insurance for Canadians cover pre-existing conditions?
Some specific travel insurance plans offers limited coverage pre-existing conditions and the acute onset of pre-existing conditions. It’s important to read the policy details and understand any exclusions, limits, and eligibility requirements related to pre-existing conditions. Here are some of Canada to US travel insurance plans that covers acute onset of pre-existing conditions are Patriot Platinum, Patriot America Plus, Safe Travels USA Comprehensive and Visitors Protect.

Can you go to America without travel insurance?
You can travel to the U.S. without travel insurance, as it is not a legal requirement. However, it is highly recommended to have visitor health insurance for USA because healthcare in the U.S. is extremely expensive. Without insurance, even minor medical treatments can result in high out-of-pocket expenses. American travel insurance helps cover unexpected medical costs, emergencies, and even trip-related disruptions, ensuring financial protection and peace of mind.

What is the Best Company to Get Travel Insurance From?

Finding the best travel insurance company for Canadian travelers depends on individual needs, trip duration, and destination. Several reputable providers offer comprehensive travel medical insurance plans for travelers from Canada, each with distinct strengths and coverage options.

Here are some of the most popular and trusted travel insurance companies for Canadians visiting the USA and other destinations worldwide:

IMG (International Medical Group)

Offers a wide range of travel medical insurance plans for both US and non-US residents.
Coverage options with medical maximums up to $1,000,000.
Some IMG plans provide coverage for pre-existing medical conditions through a waiver or acute onset coverage.

Trawick International

Provides comprehensive travel insurance plans with policy maximums up to $1,000,000.
Most plans are designed for non-US citizens visiting the USA.
Includes emergency medical evacuation and coverage for acute onset of pre-existing conditions.

Global Underwriters

Offers travel medical insurance for non-US citizens visiting the USA, expatriates, and business travelers.
Policy maximums available up to $1,000,000 depending on the selected plan.
Ideal for international business travelers and long-term visitors.

INF

INF plans are ideal for non-US citizens visiting the US or Canada.
Designed especially for senior travelers with pre-existing conditions.
Provides coverage for pre-existing ailments, ensuring seniors visiting their families in the US have reliable medical protection.

What Is the Best Travel Insurance Cost in the USA?

The cost of travel insurance in the USA can vary depending on several important factors. Understanding these factors helps travelers choose the best travel insurance plan that fits their needs and budget. The main elements that affect the travel insurance price include:

Age of the traveler: Older travelers may have higher premium costs due to increased medical risk.
Length of the trip/travel: Longer trips generally cost more since they extend the period of coverage.
Specific type of coverage required by the traveler: Comprehensive plans with added benefits may cost more than basic fixed-benefit plans.
The policy maximum selected by the traveler: Higher maximum coverage limits usually increase the overall premium.
The deductible amount selected by the traveler: Choosing a higher deductible can help reduce the insurance cost.
The destination of the travel: Traveling to countries like the USA, where healthcare is expensive, can increase the insurance cost.

👉 The price of the plan is approximate and can change based on the specific needs and circumstances of the traveler. It is always recommended to compare travel insurance plans and get quotes from multiple providers to find the best travel insurance cost in the USA with the right balance of price and coverage.

How to Choose Travel Insurance Canada

Choosing the right travel insurance Canada plan for your trip involves understanding your unique travel needs and comparing coverage options carefully. This guide will help you choose travel insurance in Canada that offers the best protection and value for your international trip.

🧳 Assess Your Travel Plans

Consider your destination, trip duration, travel dates, and planned activities. These factors determine the type of travel insurance coverage you need.

📝 Identify Your Coverage Needs

Determine the types of coverage you require. Common types include:

🏥 Emergency Medical: Covers medical expenses, hospitalization, and emergency evacuation.
✈️ Trip Cancellation/Interruption: Protects non-refundable trip costs.
🧳 Baggage & Personal Belongings: Reimburses lost, stolen, or damaged luggage.
⏱️ Travel Delay: Covers additional expenses due to delays.
📞 Emergency Assistance Services: 24/7 support for medical and travel issues.
🏂 Adventure/Sports Coverage: Required for adventure activities.
🔄 Cancel for Any Reason (CFAR): Add-on benefit offering flexible cancellation options.

🔍 Check Existing Coverage

Review your existing health, credit card, or homeowner’s insurance for any travel-related benefits before buying a new plan.

💰 Set a Budget

Your budget helps narrow options and find the best value travel insurance in Canada.

⚖️ Compare Policies

Obtain quotes from multiple travel insurance providers in Canada. Compare coverage limits, premiums, and deductibles using online tools or licensed brokers.

📄 Read Policy Terms

Focus on exclusions, optional add-ons, and coverage limits. Ensure the plan matches your needs.

👵 Check Age Restrictions

Some plans have age limits, especially for seniors. Verify eligibility before purchasing.

🩺 Consider Pre-Existing Conditions

Disclose any pre-existing medical conditions and confirm coverage or waiver options.

📞 Understand Claim Procedures

Familiarize yourself with claim submission steps, documentation, and emergency contacts for a smooth claims process.

❓ Ask Questions

Contact American Visitors Insurance for coverage, policy terms, or claim questions.

🕒 Purchase the Policy Early

Buy your policy soon after booking your trip to maximize coverage, especially for trip cancellation benefits.

📑 Carry Proof of Insurance

While traveling, always carry your travel insurance Canada policy documents and 24/7 emergency contact information.

👉 By following these steps and evaluating your personal needs, you can confidently choose a travel insurance policy in Canada that provides comprehensive coverage, financial protection, and peace of mind during your international trip.

Why Buy Snowbird Travel 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.

🏖️ Trusted by Thousands of Snowbirds Every Year

American Visitor Insurance has been offering Snowbird insurance for nearly two decades now providing thousands of Canadian and international snowbirds easy purchase insurance options through our platform before heading south for extended stays in Florida, Arizona, Texas, Mexico, or island getaways in the Caribbean.

🤝 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.

🌎 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.

Top International Travel Destinations for Canadians

🗽 USA Travel Insurance

The United States of America (USA), a top destination for Canadian travelers, offers 50 states with diverse experiences. Protect your trip with reliable USA travel insurance.

🕌 Morocco Travel Insurance

Morocco, with its rich Berber, Arabian, and European culture, is popular among Canadian tourists. Ensure a safe journey with Morocco travel insurance.

🏯 Thailand Travel Insurance

Thailand, famous for tropical beaches, royal palaces, and ornate temples, attracts Canadian travelers. Travel safely with Thailand travel insurance.

🏝️ Indonesia Travel Insurance

Indonesia, a Southeast Asian archipelago with thousands of islands and diverse cultures, is ideal for Canadian tourists. Stay protected with Indonesia Bali travel insurance.

🗾 Japan Travel Insurance

Japan, an island nation with bustling cities, shrines, and natural parks, is a favorite destination for Canadian travelers. Travel safely with Japan travel insurance.

✈️ Portugal Travel Insurance

Portugal, located on the Iberian Peninsula bordering Spain, attracts many Canadian tourists. Protect your vacation with Portugal travel insurance.

🏖️ Aruba Travel Insurance

Aruba, a Dutch Caribbean island, is a favorite among Canadian travelers. Stay safe with Aruba travel insurance.

🌺 Hawaii (USA) Travel Insurance

Hawaii, a volcanic archipelago in the Central Pacific, is a top destination for Canadian tourists. Protect your trip with Hawaii USA travel insurance.

What Are the Best Health Insurance Options for Canadian Snowbirds in the USA?

If you are a Canadian Snowbird traveling to the USA, it’s important to choose the right health insurance from Canada to USA for your stay. The main question is whether you need coverage for unexpected issues related to pre-existing medical conditions.

💰 Economical Snowbird Insurance Options

If coverage for pre-existing conditions is not a priority, you can choose economical policies that still protect you while wintering in the US. Options include:

Patriot America Plus: Flexible policy that can be purchased from Canada before departure (up to 12 months).
Safe Travels USA: Plan available for purchase from Canada with full refund options before the start date and the ability to extend for a minimum of 5 days without returning to Canada.

🦠 COVID-Exclusion Plans

Policies that exclude COVID coverage are significantly cheaper than those that include it. Examples of economical COVID-exclusion plans:

These plans are offered by reputable companies and provide essential coverage at a lower cost.

❤️ Cardiac and Stroke Coverage

If you are concerned about cardiac or stroke coverage, consider:

Safe Travel Elite: Fixed plan covering $25,000 for cardiac issues and stroke up to age 69, $15,000 for ages 70–89.
Safe Travels Comprehensive: Comprehensive plan with similar cardiac and stroke coverage limits.

📞 Assistance for Choosing the Best Plan

There are many Canadian Snowbird health insurance options available. If you are unsure which plan is best for you, give us a call and we will guide you in selecting the right plan for your needs.

Why U.S Health Insurance for Canadian Snowbirds is Important?

During winter, many Canadian travelers, particularly senior citizens, travel to southern countries with warmer and more pleasant weather. These Canadian travelers are commonly known as Snowbirds.

Domestic health insurance in Canada does not provide coverage outside its borders. Therefore, purchasing proper overseas travel medical insurance is highly recommended by Canadian government authorities. Healthcare costs in the U.S. and Europe are very high, making it risky to be uninsured while traveling abroad.

Snowbird Travel Insurance

Short Term Snowbird Travel Insurance

Long Term Snowbird Travel Insurance

Popular Snowbird Destinations in the USA

☀️ Florida

The reason Florida is the most popular snowbird destination is its sunshine almost year-round and the lifestyle options available. From the busy beaches and nightlife of Miami, to the theme parks in Orlando, and retirement communities in Naples, loads of snowbirds choose Florida for the lifestyle options available.

🌵 Arizona

The warm, dry climate, desert landscape, and golf friendly winter make Phoenix, Scottsdale, and Tucson popular Snowbird destinations for those who prefer sun with less humidity.

🤠 Texas

The Rio Grande Valley, San Antonio, and Corpus Christi are popular because of their milder winter climate, culture, and low cost of living.

🏖️ California

Palm Springs, San Diego, and cities near the coast in southern California provide a lifestyle for snowbirds with great weather, beaches, and a relaxed way of life for snowbirds that want to relax, have an increase in activity..

🎰 Nevada

Las Vegas and Henderson have become one of the hottest snowbird spots because of their affordability, sunshine, and so many entertainment options.

⛳ South Carolina

Myrtle Beach and Hilton Head are popular golf communities with great golf courses, popular beach towns, and good winter weather.

🎨 New Mexico

Albuquerque and Santa Fe draw snowbirds with their desert warmth, art culture, and heritage.

🏖️ Alabama & Mississippi Gulf Coast

These underrated destinations can offer snowbirds sandy beaches, welcoming communities, and the slower pace of life.

Which Is the Best U.S. Health Insurance for Canadian Citizens?

🩺 Travel medical insurance

Travel medical insurance to emergency medical expenses

❤️ Pre-existing coverage

Comprehensive coverage for pre-existing conditions/ailments

👵 Senior citizens

Travel insurance for Canadian seniors visiting USA

🎓 Student insurance

International student insurance for Canada students in USA

🌍 Annual travel insurance

Travel health insurance for frequent travelers

Resourceful Tourist Health Insurance USA Information

flight

Find the best travel insurance

Find out the best insurance for your budget and needs.

thumb_up

How does travel insurance work?

Claims process for expenses due to injury or sickness.

question_mark

How to buy travel insurance?

Guide to buying the best international travel insurance for USA.

assignment

Travel insurance glossary

Commonly used international travel medical insurance terms.

group

Travel insurance for specific groups

Tourists, Cruises, Students, J1 visa, OPT status, Immigrants...

compare

Compare travel insurance plans

Compare the best travel insurance plan for your needs.

Travel Insurance information for travel to Canada from US

flight

Travel medical insurance USA resources
International travel insurance resources for USA visa holders.

globe

Factors for travel insurance USA online
Factors for the best travel insurance to USA.

draft

Types of USA tourist insurance online
Different types of tourist insurance for USA.

description

USA Vacation insurance claims procedure
Trip insurance claims process for getting medical care.

Overseas travel insurance for US residents

Find the Best US Visitor Insurance Coverage - Blogs and Articles

description

Affordable travel insurance Online

Fixed benefit or scheduled benefit plans are the most affordable travel insurance plans.

Learn More »

flight_takeoff

Best international travel insurance

International travel insurance plans covering pre-existing conditions which many older travelers look for.

Learn More »

balance

Compare US travel insurance online

Compare quotes online for best travel insurance online, Fixed vs comprehensive travel insurance USA.

Learn More »

public

Advantages of buying travel insurance online

Compare and buy the best travel medical insurance plans online.

Learn More »

description

Buy cheap travel insurance for USA

There are many cheap international insurance plans also known as visitor insurance plans.

Learn More »

question_mark

How does travel insurance work?

Coinsurance & Deductible - How visitor travel insurance works.

Learn More »

Travel Insurance – Pre-Existing Conditions Coverage

Compare and buy best pre-existing plans

Get a Quote »

Best International Travel Insurance

Travel Insurance - Pre-existing conditions coverage

Compare and buy best pre-existing plans

International travel insurance resources

Compare and buy international travel insurance USA

Trip Cancellation Insurance for Non US Residents