Insure the health of the traveler due to accidental injuries or illness.
Know more »Insure your vacation expenses along with health of traveler.
Know more »Insurance required while applying for Schengen visa for Canada.
Know more »Insures hospitalization expenses, doctor visits while in USA.
Know more »Canadians traveling to the U.S. are not legally required to have travel insurance unless they are on a J1 exchange visa. However, having best visitor insurance is highly recommended. Since most provincial health plans offer limited or no coverage outside Canada, travelers could face significant medical expenses in case of illness or injury. US travel insurance helps cover these unexpected medical costs, providing both financial protection and peace of mind during your visit.
Canadians generally do not need a visa to enter the U.S. for short visits (up to 6 months) for tourism, business, or visiting family. A valid Canadian passport is required, and if traveling by air, they may need to obtain an Electronic System for Travel Authorization (ESTA) under the Visa Waiver Program. However, a visa is required for specific purposes such as employment, study, or immigration. Additionally, Canadians planning extended stays should check U.S. immigration rules to ensure they have the appropriate documentation.
The USA has some of the highest healthcare costs globally. Without travel insurance, Canadians may face substantial medical bills for emergencies, hospital stays, or even routine medical care. The cost of a routine physician's visit is significantly higher in the U.S., where it might be $176. An echocardiogram can cost around $1,000 in Massachusetts and around $3000 in New Jersey depending on the provider. The cost of common ailments like Diabetes Mellitus with Hyperglycemia admitted to an emergency room would cost around $2,500 -$5000. Stroke resulting in ICU for about 10 days would cost $120,000, Heart attack treatment with medical bills for ambulance, hospital emergency room, ICU, EKG and MRI heart scans and continuing care from cardiologists would cost about $20,000, The average treatment cost of acute kidney failure in the USA was over $22,000.
While there's no simple explanation for the high costs, an important contributing factor is the significant administrative expenses in healthcare and given the litigious nature of US society, the cost of medical-malpractice legal expenses. Employing numerous billing clerks by both hospitals and physicians, as well as by private insurance companies is a requirement in the US insurance system. In addition to that, the system's reliance on advanced technology, costly labor and the steep price of malpractice insurance in the US also contributes to the overall expenses.
While there are several reasons for high healthcare costs, the fact remains that one cannot afford to be uninsured while visiting the US. In US hospitals the cost for any treatment is much lower if you have insurance and the hospital is part of the PPO network when compared to getting the same treatment without any insurance. This is beyond the actual insurance coverage itself, so simply having visitors insurance reduces the bill substantially. This high price without insurance is unimaginable for visitors to pay out of their pocket. It is important for Canadians to realize the importance of health insurance while visiting the US.
The premium cost of the travel medical insurance for Canadians in USA isn't fixed and varies based on several factors like the age of the individual, the duration of the travel and stay, coverage needed, policy maximum amount chosen, deductible chosen and hence is a variable factor. Each plan offers different benefits. Travel Insurance plans come in two types. One is a fixed benefit plan and the other is a comprehensive plan. Fixed benefit plans specify the charge for the specific limit while the comprehensive plans extend the coverage to policy maximum limit.
The cheapest Canadian medical insurance in USA starts from $20 per month with options up to $155 per month. The cost depends on the age of the visitor, medical maximum coverage and deductible. The average cost of fixed benefit visitors travel insurance for USA is based on quotes for one month.
| Plan Name | Plan maximum | 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 | $21 - $45 | $40 - $75 | $66 - $148 |
| Safe Travels Elite | $25,000 - $175,000 | $0 | $26 - $76 | $50 - $134 | $109 - $155 |
Source: AMERICAN VISITOR INSURANCE®
The best travel insurance cost for USA ranges from $71 to $332 per month. The cost depends on the age of the visitor, medical maximum coverage and deductible. The average cost of comprehensive travel insurance for USA is based on quotes for one month with $250 deductible.
| 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 |
| Visitors Preferred | $50,000 - $1,000,000 | $77 - $144 | $148 - $301 | $253 ($50,000) |
| Patriot America Lite | $50,000 - $1,000,000 | $78 - $146 | $137 - $274 | $234 ($50,000) |
| Patriot America Plus | $50,000 - $1,000,000 | $78 - $147 | $177 - $307 | $355 ($50,000) |
| Safe Travels USA | $50,000 - $1,000,000 | $80 - $157 | $147 - $295 | $252 - $332 |
| Diplomat America | $50,000 - $1,000,000 | $125 -$214 | $229 - $301 | $353 ($50,000) |
Source: AMERICAN VISITOR INSURANCE®
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:
Medical 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
Medical 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
Medical 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
Medical 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
Best US health insurance for Canadian citizens is designed to cover unexpected medical expenses if you fall ill or get injured while traveling to the USA. It provides peace of mind by offering a range of benefits, which can include:
For minor illness or injury, $50,000 might be enough coverage. However, if you are concerned about an (albeit unlikely) stay at a hospital, those expenses can run up quickly beyond $100,000 in a few days. When asked, I typically recommend at least $100,000 maximum. If a person is at risk for multiple fractures or a longer hospital stay (they are older, perhaps?), then I would go as high as I could. Often, the age of the insured will limit the maximum allowed.
The cheapest $50,000 travel insurance with deductible $250 for 65 years old traveler is Safe Travels USA insurance whose cost starts from $160 per month, then is the Patriot America Plus insurance cost starting from $173 per month.
No. Visitor policies do not cover wellness visits and routine checkups. So, vaccinations, for example, will not be covered, nor an annual ob-gyn exam. Also, there is often limited or no coverage for pre-existing medical conditions (check carefully on the policy if these are a major concern). Also, all policies have exclusions of particular illnesses. For example, maternity is specifically excluded from most policies as are UTI’s and other diseases (particularly sexually transmitted diseases and issues or expensive and lengthy ones, like cancer treatment). Also, if a person is traveling to get a particular medical treatment, that will not be covered nor any issue arising therefrom.
At American Visitor Insurance, we regularly interact with thousands of Canadian international travelers needing travel health insurance for their international travel. Some of our Canadian customers want to extend their travel beyond the insurance coverage they purchased initially from Canada before leaving. It seems that to continue with a Canadian plan, you must return to Canada to make your purchase. However, with our travel health insurance for Canadian residents, you can start coverage the day your existing Canadian coverage ends and not have the expense or bother of a return trip.
Our travel insurance is particularly helpful for Canadian customers having pre-existing medical conditions, who are not able to get their Canadian travel insurance for their trip due to some constraint or another. We do offer some plans that provide coverage for "acute onset" of pre-existing medical conditions. To be clear, the medical conditions must be stable and they will not cover required treatment or medication for an existing condition but they will kick in if there is some unexpected recurrence due to the pre-existing condition. Do review our quotes and compare them to what you are offered from your home country or keep us in mind if your travel plans change along the way!
Choosing the best travel insurance for USA from Canada depends on individual needs and specifics of each plan. The plans offering worldwide coverage for both US and Non-US citizens are generally preferable due to the extensive coverage. Some of the popular worldwide coverage plans are Atlas Travel plan from WorldTrips, INF Elite X plan from INF. The best plan for an individual with existing health conditions would be a plan that provides flexible coverage for pre-existing conditions. The INF plans provide best coverage for preexisting conditions. Safe Travels USA Comprehensive from Trawick International offers good coverage for acute onset of pre-existing conditions. If insurance is required for covering adventurous sports, then Diplomat America from Global Underwriters provides coverage for extreme sports activities.
There is no denying that travel insurance to USA is sadly very expensive. The main reason for this is simply because the cost of healthcare in the USA is very expensive and the travel insurance USA costs are directly related to the healthcare costs. One more factor for some USA travel insurance plans to be very expensive is that there are specially designed travel insurance USA plans available for older travelers, with higher medical coverage as well as some plans with coverage for pre-existing ailments.
The best US visitors insurance with pre-existing conditions coverage is listed here :
International travel insurance to USA from Canada plans never cover regular, required medical care for a chronic condition. For example, if a traveler takes medication regularly or requires treatment like dialysis, those things will have to be paid for out of pocket by the traveler and should be calculated into the cost of their trip. If medications are lost or stolen and need to be replace, that will require a doctor visit to get a prescription and then the purchase at the pharmacy all of which would have to be paid for by the insured. If the concern is for a sudden, unexpected flare up with a chronic, pre-existing condition, then there are a few plans which will cover that, but they are quite expensive and must be purchased for at least 90 days. Note also, that those plans also must be purchased BEFORE the travel begins and cover only travel to the US.
INF 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. Buying health insurance for Canadians in the United States works ideally for Canadian Snowbirds during their travel to the USA. Following are the best US travel insurance for Canadian Snowbirds.
| Compare INF Canadian travel insurance to USA |
|---|
| Compare INF visitor insurance |
| Compare pre-existing coverage |
Compare and buy best Canada cruise travel insurance.
Compare and buy cheap travel insurance for Canadian travelers visiting the US.
YES! Canadians CAN purchase US travel insurance policies from us to cover the remainder of their stay (as long as they like).
Note that the policies are generally renewable, so if plans change (as they so often do these days), the policies can be extended (minimum of 5 days and up to 12 months). Policies are available up to $100K for persons in their 70s and up to $50K for persons in their 80s. You can use our search engine to determine the best prices for you based on age and deductible you'd like.
The deductible on a comprehensive policy is generally a one-time payment if there are any medical expenses (doctor visit, ER visit, medications, etc). A higher deductible will give a lower premium cost, so it is a balance of what you feel you can pay out in the unlikely event you will need medical attention, and how much the policy costs you per month and day.
When you purchase the policy, you will enter your Canadian address as your "home" or "residence" address regardless of whether you own a home in the US or not. The "residence" country and the "destination" country CANNOT be the same. Then, you can choose the start date (even if it says trip start date) as the first day you need the policy. And, even though you choose an "Trip end date" you can always extend most policies without issue (just do not wait until they have expired).
Unfortunately, insurance coverage for pre-existing conditions is very limited on most US visitor policies for foreign visitors. Some policies will cover "acute onset" of pre-existing conditions which should mean life-threatening emergencies due to pre-existing conditions, but they have all recently excluded chronic and congenital disorders from that coverage. As a non-medical person, I'm not sure what illnesses/disorders that leaves that WOULD be covered. The Safe Travels Elite (a fixed plan) and Safe Travels Comprehensive offers some coverage $25K or $15K for a cardiac issue.
While there will always be some risk involved while traveling and staying in the US, travelers do have travel insurance options for visiting the US. Compare US travel insurance for Canadians and buy the plan that best fits your needs.
As ever, we wish you safe and happy travels!
There are thousands of Canadian travelers who travel overseas regularly. Many of these frequent travelers are businessmen or corporate travelers who travel overseas for work. There are many Canadians traveling to the US, Mexico, Europe, Asia and Australia often.
There are several top rated travel health insurance plans for multiple trips worldwide. Patriot Annual Multi trip insurance is an ideal plan for Canadian corporate travelers. Every trip duration could be either 30 days or 45 days with a medical coverage maximum of $1 million.
Travelers up to the age of 76 years can buy this plan. The plan is renewable up to 3 years and also offers coverage for pre-existing conditions.
Canadians are having their health covered by the country’s universal healthcare and supplemental insurance. However, when moving abroad, this coverage expires after 6-8 months. Depending on the length of stay, Canadians need either supplemental or replacement health insurance. This ensures protection from high medical costs in the USA without universal healthcare. It’s important to have the right expat health insurance. For more details on coverage options, check US expat health insurance plans tailored to Canadians living abroad.
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.
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:
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!.
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.
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.
Determining the "best" travel insurance company for Canadian travelers can be subjective and may vary depending on individual preferences, needs, and specific travel plans. Several reputable insurance providers offer travel insurance for travelers from Canada, each with its own strengths and areas of expertise. Here are some popular companies whose travel insurance plans are very popular:
The cost of the travel insurance can vary based on factors like:
The price of the plan is approximate and can change based on the specific needs and circumstances. It is a good idea to compare different plans and get quotes from multiple providers to find the best coverage for your budget
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.
Choosing the right travel insurance for your trip from Canada involves several steps and considerations to ensure you have adequate coverage that suits your needs. Here's a guide to help you choose travel insurance in Canada:
Assess Your Travel Plans: Start by assessing your specific travel plans. Consider factors such as your destination, trip duration, travel dates, and any activities or adventures you plan to undertake. These details will help determine the type of 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 your investment in non-refundable trip expenses.
Baggage and Personal Belongings: Provides reimbursement for lost, stolen, or damaged luggage.
Travel Delay: Covers additional expenses during travel delays.
Emergency Assistance Services: Offers 24/7 assistance for various travel-related issues.
Adventure or Sports Coverage: If you plan to engage in adventure sports, ensure the policy covers these activities.
Cancel for Any Reason (CFAR): Provides flexibility to cancel for non-covered reasons (usually available as an optional add-on).
Check Existing Coverage: Review your existing insurance policies, such as health insurance, credit card benefits, and homeowner's insurance, to determine if they offer any travel-related coverage. You may have some coverage through these existing policies.
Set a Budget: Determine how much you're willing to spend on travel insurance. Your budget will help narrow down your options and select a policy that offers the best value.
Compare Policies: Obtain quotes from multiple insurance providers to compare policies, coverage limits, premiums, and deductibles. Consider online comparison tools or consult insurance brokers for assistance.
Read Policy Terms and Conditions: Carefully read the terms and conditions of each policy you're considering. Pay attention to coverage limits, exclusions, and any optional add-ons or endorsements. Ensure the policy aligns with your coverage needs.
Check for Age Restrictions: Some policies may have age restrictions, particularly for seniors. Verify that you meet the eligibility criteria for the policy you're interested in.
Consider Pre-Existing Conditions: If you have pre-existing medical conditions, disclose them to the insurance provider and ensure that the policy covers these conditions or offers a waiver.
Understand Claim Procedures: Familiarize yourself with the claims process, including documentation requirements and contact information for claims assistance. Ensure that the provider offers a straightforward and efficient claims process.
Ask Questions: Don't hesitate to contact American Visitors Insurance with any questions or concerns you may have about coverage, terms, or policy details.
Purchase the Policy Early: Buy your travel insurance well in advance of your trip to maximize coverage benefits. Some policies require you to purchase insurance shortly after booking your trip.
Carry Proof of Insurance: While traveling, carry a copy of your travel insurance policy documents, including contact information for emergency assistance.
By following these steps and considering your specific travel needs, you can choose the travel insurance policy in Canada that provides the right coverage for your trip and offers peace of mind while you travel.
The United States of America (USA), commonly known as the United States (U.S.) or America, is a federal republic composed of 50 states.
Morocco, a North African country bordering the Atlantic Ocean and Mediterranean Sea, is distinguished by its Berber, Arabian and European cultural influences.
Thailand is a Southeast Asian country. It's known for tropical beaches, opulent royal palaces, ancient ruins and ornate temples displaying figures of Buddha.
Indonesia, a Southeast Asian nation made up of thousands of volcanic islands, is home to hundreds of ethnic groups speaking many different languages.
Japan is an island nation in the Pacific Ocean with dense cities, imperial palaces, mountainous national parks and thousands of shrines and temples.
The main question to consider is if it is very important to have coverage for unexpected issues due to a pre-existing medical condition or not. If it is not important or you are willing to take a risk in that department, you can get very economical policies, both fixed and comprehensive that will cover you while you are away from Canada and wintering in the US. Plans such as Patriot America Plus or Safe Travels USA can be purchased from Canada before you leave for your trip (up to 12 months). The plans are very flexible. You can get a full refund on them before they start or you can extend them for a minimum of 5 days without returning to Canada.
There are now policies which exclude covid coverage and they are significantly cheaper than those that include it. A policy such as Patriot America Lite or Safe Travels USA Cost Saver is offered by a good company and is economical because it excludes covid. Also, if you are concerned about a cardiac or stroke coverage, we have a fixed plan, Safe Travel Elite and a comprehensive plan, Safe Travels Comprehensive which cover $25,000 for cardiac issues and stroke up to age 69 and $15,000 for persons 70-89. There are many options available to you. If you are having difficulty choosing the best option for you, please give us a call and we can help!
During winter, many Canadians, particularly senior citizens travel to southern countries where the weather is warmer and more pleasant. They Canadian travlers are commonly known as Snowbirds.
Since domestic health insurance in Canada does not offer coverage outside its border, buying proper overseas travel medical insurance is recommended by the Canadian government authorities. Healthcare treatment in US and Europe is very high and it is very risky to be uninsured while in those countries. know more »
Short term tourists Long term travelers
California, a western U.S. state, stretches from the Mexican border along the Pacific for nearly 900 miles.
Arizona, a southwestern U.S. state, is best known for the Grand Canyon, the mile-deep chasm carved by the Colorado River.
Texas is a large state in the southern U.S. with deserts, pine forest and the Rio Grande, a river that forms its border with Mexico.
Florida is the southeasternmost U.S. state, with the Atlantic on one side and the Gulf of Mexico on the other.
Guatemala, a Central American country south of Mexico, is home to volcanoes, rainforests and ancient Mayan sites.
Honduras is a Central American country with Caribbean Sea coastlines to the north and the Pacific Ocean to the south.
Costa Rica is a rugged, rainforested Central American country with coastlines on the Caribbean and Pacific.
Nicaragua, set between the Pacific Ocean and the Caribbean Sea, is a Central American nation known for its dramatic terrain of lakes, volcanoes and beaches
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
Find out the best insurance for your budget and needs
Know more »Claims process for expenses due to injury or sickness
Know more »Compare the best travel insurance plan for your needs
Know more »Travel medical insurance USA resources
International travel insurance resources for USA visa holders.
Factors for travel insurance USA online
Factors for the best health insurance for travel to USA.
Types of USA tourist insurance online
Different types of tourist insurance for USA.
USA Vacation insurance claims procedure
Trip insurance claims process for getting medical care.
Fixed benefit or scheduled benefit plans are the most affordable international travel insurance plans.
Click here to read more »International travel insurance plans covering pre-existing conditions which many older travelers look for.
Click here to read more »Compare quotes online for best travel insurance online, Fixed vs comprehensive travel insurance USA.
Click here to read more »Compare and buy the best travel medical insurance plans online.
Click here to read more »There are many cheap international insurance plans also known as visitor insurance plans.
Click here to read more »Coinsurance & Deductible - How visitor travel insurance works.
Click here to read more »Compare and buy best pre-existing plans
Know more »Compare and buy international travel insurance USA
Know more »These travel insurance to USA from Canada plans have limitations for travelers or students located in Canada:
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).
LIMITATION: If physically located in Canada, you are prohibited to purchase these plans.
LIMITATION: Seven Corners offers these plans. However these plans do not accept an address in Canada. Customer may use overseas home country address.
Snowbird travel insurance
Canadians to USA
Canadians student insurance
Canadian Seniors travel insurance
Expatriate insurance
Canadian Annual travel insurance
Pre-existing conditions
Green Card holders insurance
Canada Cruise insurance
