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Best Canadians Annual Travel Insurance

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Medical Maximum: $1,000,000

🌍 What Is Annual Travel Insurance for Canadians?

Annual travel insurance, also called multi-trip travel insurance, is designed for Canadian residents who travel abroad multiple times a year.

Instead of buying a separate policy for every trip, you can purchase one annual plan that automatically covers all your trips within 12 months, as long as each trip stays under a specified number of days.

🛫 Key Features for Canadian Travelers

✅ Covers Multiple Trips
Travel abroad anytime during the year without buying a new policy for each trip.
Annual Travel Insurance for Canadians
📅 Trip Duration Limits
Each trip is covered for a maximum of 15, 30, 45, or 70 days, depending on your chosen plan.
🏥 Emergency Medical Coverage
Provides protection for unexpected illnesses or injuries while traveling outside Canada.
📞 24/7 Assistance
Access emergency travel support anytime, anywhere in the world.
💰 Cost-Effective
Ideal for Canadians who travel frequently — saves time and money compared to purchasing multiple single-trip policies.

🌍 Benefits of Annual Travel Medical Insurance for Canadians

If you travel frequently for work or leisure, an annual travel insurance plan for Canadians can save you time, money, and stress while keeping you protected all year long.

🛫 Key Benefits for Canadians

✅ Coverage for the Full Year
One policy protects Canadians for 12 months, so you don’t need to buy new insurance for each trip.
♾️ Unlimited Trips Covered
Canadians can travel as often as they like — every trip is automatically protected under their annual plan.
📅 Flexible Trip Duration
Each trip for Canadian travelers can last 30, 45, or 70 days, depending on your plan, giving you maximum flexibility.
🏥 Emergency & Medical Assistance
Coverage includes doctor visits, hospital bills, emergency evacuations, and even repatriation to Canada if needed.
🧳 Additional Options for Canadians
dd coverage for lost baggage, travel delays, trip interruptions, or accidental injury, giving Canadians confidence anywhere they go.

🔄 How Does an Annual Travel Plan Work for Canadians?

An annual travel plan for Canadians works like a yearly membership:

🛫 Key Benefits for Canadians

  • 💳 One-Time Purchase for Canadians – Buy the policy once and stay protected for 12 months.
  • 🏖️ Automatic Coverage for Canadians – Every trip Canadians take is covered without extra payments.
  • 💡 No Monthly Fees for Canadians – Unlike subscriptions, there are no ongoing charges.

Think of it like a gym or spa membership — Canadians pay once and enjoy full access all year.

👉 At American Visitor Insurance, we make it easy for Canadians to compare and buy top-rated annual travel insurance plans with comprehensive coverage, emergency assistance, and flexibility for frequent travelers.

🩺 What Does Annual Travel Insurance Cover for Canadians?

Most plans for Canadians include:

🛫 Key Benefits for Canadians

🏥 Medical Expenses

Doctor visits, hospital stays, and emergency care if Canadians get sick or injured while traveling.

🚑 Emergency Evacuation

Transport to the nearest hospital or back to Canada for Canadian travelers in serious situations.

✈️ Trip Cancellation or Interruption

Helps Canadians recover costs if their trip is canceled or cut short for covered reasons.

🧳 Lost or Delayed Luggage

Compensation for Canadian travelers if bags are lost, stolen, or delayed.

🏔️ Sports Coverage

Covers injuries from recreational activities for Canadians, like skiing, hiking, or cycling.

➕ Optional Add-Ons

Extra coverage for Canadian travelers including accidental injuries or other travel risks.

💊 Pre-Existing Conditions

Some plans for Canadians, like Patriot Multi-Trip, cover sudden flare-ups of existing medical conditions.

IMG logo Patriot Multitrip Insurance

Patriot Multi-Trip Insurance – Best For: U.S. & non-U.S. citizens traveling abroad
  • Trip Duration: 30, 60, or 90 days per trip
  • Policy Maximum: $1,000,000
  • Emergency Medical Evacuation: Up to policy maximum
  • Pre-existing Condition Coverage: Sudden & unexpected recurrence up to $5,000
  • Lost Luggage: Max $150 per item / $500 total
  • Optional Riders Available
  • Deductible: $250
  • Maximum Age Insured: 79

IMG logo Patriot Multitrip Group Insurance

Best for Groups of travelers taking multiple trips Pre-existing conditions
  • atriot Multi Trip Group Insurance offers medical insurance coverage for groups of travelers taking multiple trips in a year.
  • Patriot Multi Trip Insurance plan provides a policy maximum of $1M and for people in the age range of 70-75, the plan provides $50K This per-sickness and injury plan provides a deductible option of $250.
  • This group plan is available for a group of five or more under the age of 76.

New Travel Requirement for Canadians Visiting USA for More Than 30 Days

Canadians traveling to the US for more than 30 days are required to register with US immigration authorities and provide fingerprints. This will be a strict enforcement of an existing law which was previously applied inconsistently and aims to improve compliance with US immigration regulations.

This new rule, issued by the Department of Homeland Security (DHS), applies to all foreign nationals crossing the US-Canada land border who are 14 years or older and staying for more than 30 days in the USA. This will impact close to 3 million Canadians annually, including around 1 million "snowbirds" who spend extended winters in the US.

Canadian professionals on long-term assignments in the US must comply with the new registration and fingerprinting requirements. However, short-term visitors to the US, such as tourists and cross-border shoppers should not be impacted.

✅ Why Choose Annual Travel Insurance from American Visitor Insurance for Canadians?

Most plans for Canadians include:

🛫 Key Benefits for Canadians

  • Perfect for frequent Canadian travelers, couples, and seniors.
  • Offers peace of mind for Canadians on every trip
  • Flexible coverage tailored specifically for Canadians traveling abroad
  • Compare, buy, and manage your policy online — simple and convenient for Canadian travelers

🤔 Is Annual Travel Insurance Better Than Single-Trip Travel Insurance for Canadians?

For Canadians who travel frequently, annual travel insurance is often the better choice. You get one policy covering all trips for the year, making it simpler, more convenient, and generally more affordable.

For Canadians who travel only once or twice a year, a single-trip policy may be more practical and cost-effective. When deciding, consider:

  • ✈️How often you plan to travel.
  • 📅 The duration of your trips.
  • 🩺The coverage you want.
Feature 🏖️ Annual / Multi-Trip ✈️ Single-Trip
Coverage Duration 12 months One trip only
Number of Trips Covered Multiple One
Trip Length Limited per trip (30–70 days) Full duration of that trip
Cost Efficiency Better for frequent Canadian travelers Better for occasional trips
Convenience One-time purchase for the year Must buy each time you travel

Canadian Annual Travel Insurance - FAQs

🏥 What is annual travel insurance for Canadians?
Annual travel insurance, also called multi-trip travel insurance, is a single policy that covers all trips you take abroad in a 12-month period. Each trip is protected as long as it doesn’t exceed the maximum duration (typically 30, 45, or 70 days).
✈️ Who should choose annual travel insurance?
Canadians who travel frequently, such as snowbirds or business travelers, benefit most. It’s convenient, cost-effective, and eliminates the need to purchase insurance for every trip.
💰 Is annual travel insurance more expensive than single-trip insurance?
For frequent travelers, annual plans are usually cheaper overall than buying multiple single-trip policies. Single-trip insurance may be more cost-effective if you only travel once or twice per year.
🩺 Are pre-existing medical conditions covered?
Some plans, like Patriot Multi-Trip, cover sudden flare-ups of pre-existing conditions. Coverage depends on the plan, age, and health stability. Always check the policy terms.
🚑 What happens if I need emergency medical care while abroad?
Annual travel insurance for Canadians typically covers:
🏥 Hospitalization and doctor visits
🚑 Emergency medical evacuations
✈️ Repatriation to Canada if medically necessary
📅 How long can each trip be under an annual plan?
Trip lengths vary by plan. Most policies allow 30, 45, or 70 days per trip. If a trip exceeds the limit, coverage may not apply.
🧳 Does it cover lost or delayed luggage?
Yes. Most annual travel plans provide compensation for lost, stolen, or delayed baggage. Some plans also offer add-ons for trip delays or interruptions.
🏔️ Are recreational sports covered?
Many annual travel insurance plans for Canadians include coverage for vacation or recreational sports such as skiing, hiking, or swimming. Always verify if your activity is listed in the policy.
🔄 Can I extend my coverage if I stay longer than planned?
Some annual plans allow trip extensions without returning to Canada. Check your insurer’s rules for minimum extension periods.
💬 How do I file a claim while traveling?
Most providers offer 24/7 emergency assistance. Typically, the steps are:
📞Contact the insurer immediately
🏥 Visit a hospital or doctor
🧾 Submit medical reports and receipts
💳 Receive reimbursement or direct billing
✅ Why choose annual travel insurance from American Visitor Insurance?
We provide Canadian-focused plans, including coverage for pre-existing conditions, multiple trips, and emergency assistance. Our plans are easy to compare, buy, and manage online.

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.

US Travel Insurance Reviews

Reviews, Ratings and Experiences from our customers

Ron W

Ron W

"Thank you for your prompt reply. Thank you for doing some good homework on our behalf. May the Lord richly bless you and all your encounters and may He fill your life with all of his abundance."  
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Konstantin V.B

Konstantin V.B

"I needed to move my policy date, but remembered it too late. American Visitor Insurance customer support made a lot of efforts to fix it out and succeeded. It's a really good service. Great thanks to your support staff."  
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Amanda

Amanda

"Thank you for such helpful information. You've impressed me as I have contacted other companies and haven't gotten half of the information from them that you have sent me. I will take what you've said into consideration."  
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International Travel Insurance Resources

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Which providers offer Canadian medical insurance in the USA?

You can find reliable US insurance providers like International Medical Group(IMG), Global Underwriters, Trawick International and INF insurance.

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