Best travel insurance for Canadians visiting the US

Is it better to buy travel insurance from the USA or Canada?

PPO Network: Many US based insurance plans offer PPO networks, which gives access to direct billing facilities, where as in Europe, the insurance companies may not have PPO network in USA which will lead high out of pocket expense.
Wide network: Canadian insurance companies may have extensive networks within Canada making it easier to get coverage in North America.
Reimbursement basis: Many Canadian based insurance companies operate on reimbursement basis when claim is submitted which requires upfront payment out of pocket for medical services, whereas in the US insurance companies, there is an option of direct billing.
Cost of the plan: Insurance plans in Canada may be affordable but they might have limitations in their coverage, while the US insurance companies offer comprehensive plans where the coverage is flexible and extensive.
Customer Service: US insurance companies offer local customer service, which makes it easier to handle claims and get assistance, while the Canadian companies offer bilingual customer service which is beneficial to travelers from diverse backgrounds.
Regulations: US Insurance plans follow strict Government regulations and honor the policy terms.

Which is the best travel medical insurance for Canadians?

The best emergency medical insurance for Canadians is TrueNorth Travel Medical,offering high coverage limits, unlimited evacuation and repatriation, and 24/7 travel assistance for international trips. For travelers seeking essential medical protection at an affordable price, it provides strong benefits and peace of mind while abroad.

TrueNorth Travel Medical Insurance

TrueNorth Travel Medical is an accident and sickness insurance plan exclusively for Canadian residents, offering affordable coverage and 24/7 travel assistance for a single international trip. The plan 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 TrueNorth Trip Protection Plus, offering comprehensive coverage, higher limits, and robust benefits. For travelers looking for a more affordable choice, TrueNorth Trip Protection Lite provides essential benefits at a lower cost.

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?

TrueNorth Annual Travel Medical Insurance is the perfect option for frequent Canadian travelers throughout the year. In one complete policy, it provides substantial medical coverage, emergency evacuation and repatriation with no limit, and 24/7 travel assistance globally. This annual insurance plan ends the hassle of purchasing individual coverage for every trip, offering uniform protection, cost savings, and peace of mind each time you go abroad.

TrueNorth Annual 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

Should I buy travel insurance from the USA or Canada?

How much does healthcare cost in USA?

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.

How much does US health insurance for Canadian citizens cost?

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.

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

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

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

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

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 to USA cover?

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:

Health care expenses: Covers hospital costs for sickness or accidents, including hospitalization and surgery.
Doctor visits: Provides coverage for urgent care and consultations for sudden injuries or illnesses.
Prescription medication: Insures eligible expenses for doctor-prescribed pharmacy drugs.
Emergency medical evacuation: Covers the cost of emergency transportation to the nearest appropriate medical facility.
Repatriation of remains: Includes expenses for repatriating remains to your home country in the event of a tragedy.
Pre-Existing Conditions:> Some plans offer coverage for the acute onset of pre-existing conditions (subject to plan exclusions and age limitations).
Accidental Death & Dismemberment: Offers financial benefits in cases of severe accidents resulting in death or the loss of limbs.
Lost Luggage: Covers the cost associated with lost or delayed baggage.
Lost or Stolen Passport: Provides assistance and reimbursement for expenses related to replacing a lost or stolen passport.

Is $50,000 enough for travel insurance from Canada to USA?

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.

Does US medical insurance for Canadians cover everything in USA?

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.

What are the best travel insurance options for Canadians with pre-existing conditions?

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.

Why is travel insurance to USA so expensive?

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.

What is the best US visitors insurance with pre-existing conditions coverage?

The best US visitors insurance with pre-existing conditions coverage is listed here :

The INF Elite plans are designed for travelers who need coverage for full pre-existing medical conditions up to age 99 years. INF Elite plans are comprehensive plans available for people traveling to the US and provide flexible coverage. Minimum Purchase of 90 days is required on the plans.
Safe Travels USA Comprehensive offers coverage for acute on set of pre-existing conditions up to 70 years. For persons under 70 covers medical treatment to policy maximum (cardiac-related treatment up to $25K).
Patriot America plus is Comprehensive travel insurance covers acute on set of pre-existing conditions up to chosen maximum limit aged up to 70 years. This plan is available for Non US citizens travelling to the USA and US citizens and Non US citizens living abroad can buy this plan for visiting the US for short while. Plan is suitable for Green Card holders as long as they reside outside the US.
Visitors Protect is Comprehensive visitor medical insurance offers pre-existing conditions up to age 99 years. Minimum Purchase of 90 days is required on the plan. It is an affordable plan for visitors visiting the US.
Safe Travels USA is a cheap travel medical insurance plan that covers sudden, unexpected recurrence of a Pre-existing Condition for Non-US Citizens and Non-US Residents while visiting the USA up to 89 years.

How do you handle international travel medical insurance for pre-existing chronic conditions?

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.

Can I buy INF travel insurance from Canada to USA?

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.

**List of Canadian health insurance for traveling to USA**
Premier insurance Elite Plus insurance Premier Plus insurance	Elite Insurance Elite 90 insurance

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Can I get US insurance when I am already in 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!

Which is the best annual multi-trip travel medical insurance for Canadians?

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.

Why is Canadian expat health insurance important?

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.

Canada travel insurance, Health insurance for Canadians in US FAQ's

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:

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.

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:

IMG(International Medical Group): Offers a wide range of travel medical insurance plans for both US and non-US residents, with coverage options offering up to $1,000,000 in medical maximums. Some plans from IMG offer coverage for pre-existing medical conditions, either as a waiver or acute onset coverage.
Trawick International: They offer comprehensive travel insurance plans that provide policy maximum coverage for up to $1,000,000. Most of their plans are for Non US citizens visiting the US. Plans offers medical evacuation benefits and covers acute onset of pre-existing conditions.
Global Underwriters: Offers travel medical insurance for non-US citizens visiting the USA, expatriates, and business travelers with the policy maximum up to $1,000,000 depending on the selected plan.
INF: INF plans are ideal for non-US citizens visiting the US or Canada and senior travelers with pre-existing conditions. These plans provide coverage for pre-existing ailments, ensuring that many seniors visiting their families in the US have the necessary medical protection during their stay.

The cost of the travel insurance can vary based on factors like:

Age of the traveler
Length of the trip/travel
Specific type of coverage required by the traveler
The policy maximum selected by the traveler
The deductible amount selected by the traveler
The destination of the travel

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.

Top international destinations among Canadians

USA

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

Morocco, a North African country bordering the Atlantic Ocean and Mediterranean Sea, is distinguished by its Berber, Arabian and European cultural influences.

Thailand

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

Indonesia, a Southeast Asian nation made up of thousands of volcanic islands, is home to hundreds of ethnic groups speaking many different languages.

Japan

Japan is an island nation in the Pacific Ocean with dense cities, imperial palaces, mountainous national parks and thousands of shrines and temples.

Portugal

Portugal is a southern European country on the Iberian Peninsula, bordering Spain.

Aruba

Aruba, a tiny Dutch Caribbean island off the coast of Venezuela.

Hawaii (USA)

Hawaii, is an isolated volcanic archipelago in the Central Pacific.

What are the best health insurance options as a Canadian Snowbird in the US?

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!

Why is U.S health insurance for Canadian snowbirds important?

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

Popular Snowbirds travel destinations

California

California, a western U.S. state, stretches from the Mexican border along the Pacific for nearly 900 miles.

Arizona

Arizona, a southwestern U.S. state, is best known for the Grand Canyon, the mile-deep chasm carved by the Colorado River.

Texas

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

Florida is the southeasternmost U.S. state, with the Atlantic on one side and the Gulf of Mexico on the other.

Guatemala

Guatemala, a Central American country south of Mexico, is home to volcanoes, rainforests and ancient Mayan sites.

Honduras

Honduras is a Central American country with Caribbean Sea coastlines to the north and the Pacific Ocean to the south.

Costa Rica

Costa Rica is a rugged, rainforested Central American country with coastlines on the Caribbean and Pacific.

Nicaragua

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

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