Best Travel Insurance for Canadians
Compare the best travel insurance plans for Canadians visiting the USA or traveling internationally. Choose from comprehensive medical and trip protection plans with coverage up to $5,000,000, available for travelers up to age 99, with flexible options for single or multiple trips. Coverage starts from as low as $1 per day, with instant online quotes and secure online enrollment
- Cheapest Travel Insurance from Canada to USA – Safe Travels Advantage from $20/month, with $25K–$150K coverage for travelers up to age 89
- Best for Canadians traveling internationally – Atlas International, offering worldwide emergency medical coverage up to $2,000,000.
- Best Travel Insurance for Canadian Seniors (65+) – Visitor Protect offers up to $2M coverage with UnitedHealthcare PPO access.
Best Travel Medical Insurance for Canadians Visiting the USA & Traveling Internationally
Whether you're looking for the best travel insurance for Canadians visiting the USA or international travel insurance for Canadians, having the right coverage is essential before you leave home. Medical care outside Canada especially in the United States can be extremely expensive, and provincial health plans such as OHIP, MSP, and RAMQ generally provide only limited coverage once you travel abroad. Even a minor illness, emergency room visit, or short hospital stay can result in thousands of dollars in unexpected medical expenses.
American Visitor Insurance makes it easy to compare and buy the best travel medical insurance for Canadians traveling to the USA or anywhere in the world. Compare affordable plans from trusted insurance providers offering emergency medical coverage, hospitalization, physician visits, emergency medical evacuation, prescription medication benefits, and coverage for eligible pre-existing conditions, depending on the plan. Whether you're visiting family in the United States, taking a vacation, traveling for business, or exploring international destinations, you can compare policy maximums, deductibles, benefits, and prices to find the best travel insurance for Canadians that matches your destination, budget, and healthcare needs.
What Does Travel Medical Insurance for Canadians Cover?
Travel medical insurance for Canadians visiting the USA or traveling outside Canada helps protect against unexpected medical emergencies while you're away from home. Coverage varies by plan, but most comprehensive travel medical insurance plans include the following benefits:
- Emergency Medical Expenses – Covers eligible medical treatment if you become sick or injured during your trip, including emergency care for new illnesses and accidental injuries.
- Hospitalization – Pays eligible expenses for inpatient hospital stays, surgeries, intensive care, and other covered medical services.
- Doctor & Urgent Care Visits – Covers eligible consultations with physicians, specialists, walk-in clinics, and urgent care centers for covered illnesses or injuries.
- Emergency Medical Evacuation – Covers the cost of transportation to the nearest appropriate medical facility when medically necessary.
- Repatriation of Remains – Covers eligible expenses to return the insured traveler to Canada in the event of a covered death while traveling.
- Prescription Medications – Covers eligible prescription drugs needed to treat a covered illness or injury during your trip.
- Pre-existing Condition Coverage – Depending on the plan, coverage may include the acute onset of pre-existing conditions or coverage for pre-existing conditions. Canadians visiting the USA can compare plans that offer comprehensive pre-existing condition benefits, subject to the policy's eligibility requirements, waiting periods, and terms.
- 24/7 Travel Assistance Services – Most plans include access to multilingual assistance for locating medical providers, coordinating emergency care, arranging medical evacuations, and other travel-related support.
Always review the policy certificate to understand the specific benefits, exclusions, and eligibility requirements before purchasing travel medical insurance
How to Choose the Best Travel Medical Insurance for Canadians
Choosing the best travel medical insurance for Canadians depends on your destination, age, trip length, health needs, and budget. Instead of choosing a plan based only on price, compare the coverage, benefits, and policy limits to make sure you're protected against unexpected medical expenses while traveling.When comparing travel medical insurance for Canadians, consider the following:
- Destination - Healthcare costs vary by country. If you're looking for travel insurance for Canadians visiting the USA, choose a plan with higher medical coverage since medical treatment in the U.S. can be very expensive.
- Medical Coverage Limit - Select a policy maximum that provides adequate protection for your destination. Most plans offer coverage from $50,000 to $8,000,000 or more.
- Deductible - A higher deductible usually lowers your premium, while a lower deductible reduces your out-of-pocket expenses if you need medical care.
- Pre-existing Condition Coverage - If you have an existing medical condition, compare plans that offer acute onset or full coverage for eligible pre-existing conditions, depending on the policy.
- Emergency Medical Evacuation - Choose a plan that includes emergency medical evacuation and repatriation benefits in case you need transportation to the nearest suitable medical facility.
- Policy Benefits - Review the included benefits, such as emergency medical treatment, hospitalization, physician visits, prescription medications, and 24/7 travel assistance, along with any exclusions and eligibility requirements.
- Policy Extension Options - If you decide to stay longer than planned, choose a travel medical insurance plan that allows policy extensions or renewals. Plans with flexible extension options can help you maintain continuous coverage during an extended trip.
Comparing multiple plans side by side helps you find the best travel medical insurance for Canadians visiting the USA or traveling internationally, with the right balance of coverage, flexibility, and affordability.
How Much Does Travel Insurance to USA From Canada Cost?
The cost of travel insurance to USA from Canada depends on factors such as age of the traveler, duration of travel and stay, coverage needed, policy maximum amount chosen, and deductible selected.
Fixed benefit visitor insurance plans generally have lower premiums with limited coverage, while comprehensive travel health insurance plans provide broader medical coverage and higher policy maximums.
Cheapest American health insurance for Canadians can start at around $20 per month Safe Travels Advantage is one of the cheapest travel insurance to USA from less than $1/day for Canadian snowbirds and visitors seeking affordable coverage while traveling in the United States. Monthly premiums typically range from $20 to $155 based on the traveler and plan selected.
Comprehensive travel insurance for Canadians visiting USA typically costs between $71 to $353 per month.
| Plan name | Max Coverage | Age 40 | Age 60 | Age 70 |
|---|---|---|---|---|
| Safe Travels Advantage Trawick International |
$25,000 - $150,000 | $20 - $58 | $39 - $102 | $60 - $166 |
| Visitors Care IMG |
$25,000 - $100,000 | $24 - $47 | $40 - $75 | $66 - $152 |
| Safe Travels Elite Trawick International |
$25,000 - $175,000 | $26 - $76 | $50 - $134 | $109 - $155 |
| Safe Travels USA Cost Saver Trawick International |
$50,000 - $1,000,000 | $71 - $117 | $139 - $250 | $237 - $299 |
| Patriot America Lite IMG |
$50,000 - $1,000,000 | $72 - $130 | $153 - $289 | $252 - $337 |
| Patriot America Plus IMG |
$50,000 - $1,000,000 | $77 - $139 | $164 - $311 | $287 - $434 |
| Safe Travels USA Comprehensive Trawick International |
$50,000 - $1,000,000 | $90 - $168 | $172 - $351 | $294 - $470 |
| SafeVista Protect INF Insurance |
$100,000 - $1,000,000 | $93 - $127 | $215 - $248 | $320 |
| Diplomat America Global Underwriters |
$50,000 - $1,000,000 | $125 - $214 | $229 - $301 | $353 |
Prices verified for the 2026 travel season · Source: American Visitor Insurance®
Healthcare Costs in the USA Without Travel Insurance for Canadians
Healthcare in the United States is expensive, and most Canadian provincial health plans offer limited or no coverage in the USA. Travel medical insurance helps protect Canadians from unexpected medical expenses while visiting the United States.
Affordable Travel Insurance for Canadians from Less Than $1/Day
Protection for medical emergencies and travel disruptions worldwide.
Travel Medical Insurance for Canadians - FAQs
Travel insurance is not required for Canadians entering the United States, but it is strongly recommended. Healthcare costs in the U.S. can be extremely expensive, and travel medical insurance helps protect you from unexpected medical bills during your trip. Safe Travels USA Comprehensive is a popular choice for Canadians visiting the USA because it offers comprehensive medical coverage, access to the UnitedHealthcare PPO network, and emergency medical benefits.
The best travel insurance for Canadians includes Patriot America Plus or Safe Travels USA Comprehensive, both of which provide comprehensive travel medical coverage with benefits for the acute onset of pre-existing conditions (subject to policy terms). Travelers who want coverage for pre-existing medical conditions should consider INF Premier X or INF Elite X, which offer coverage for pre-existing conditions according to the policy terms, making them excellent choices for seniors and travelers with existing health conditions.
For Canadians traveling outside the USA, Patriot International and Safe Travels International are excellent options, providing comprehensive travel medical coverage for international trips with emergency medical benefits, evacuation coverage, and worldwide protection.
Yes. INF Elite X, INF Premier X, and Visitors Protect are among the best travel insurance plans for Canadian seniors visiting the USA. These plans offer high medical coverage limits, emergency medical evacuation benefits, and coverage for pre-existing conditions according to the policy terms. They are especially suitable for seniors who want comprehensive medical protection while visiting the United States, including travelers up to advanced ages, giving greater peace of mind throughout their trip.
Safe Travels Advantage is one of the most affordable travel insurance options for Canadians visiting the USA. Plans can start at around $20 per month, depending on the traveler’s age, coverage amount, deductible, and trip duration. This plan provides acute onset of pre-existing condition coverage up to age 89 (including cardiac conditions), subject to the policy terms. It offers coverage options ranging from $25,000 to $150,000 in medical maximum limits, making it a budget-friendly choice for Canadians looking for basic protection against unexpected medical expenses while traveling in the United States.
Yes. Many travel insurance providers offer plans specifically designed for Canadian seniors traveling to the USA or other international destinations. For Canadian seniors visiting the USA, INF Elite X, INF Premier X, and Visitors Protect are among the best options, as they offer coverage for pre-existing medical conditions (according to the policy terms), along with high medical coverage limits and emergency medical evacuation benefits. Seniors seeking coverage for the acute onset of pre-existing conditions may also consider Patriot America Plus or Safe Travels USA Comprehensive. For international travel outside the USA, Patriot International and Safe Travels International provide comprehensive travel medical coverage with worldwide emergency medical protection. Coverage availability, eligibility, and benefits vary by plan and age.
INF Elite X, INF Premier X, and Visitors Protect are best travel insurance options for Canadians visiting the USA who need coverage for pre-existing medical conditions. INF Elite X and INF Premier X offer full coverage for pre-existing conditions up to age 99, while Visitors Protect also provides pre-existing condition coverage up to age 99, according to the plan terms. These plans generally require a minimum purchase period of 90 days to be eligible for pre-existing condition coverage. Always review the policy details, eligibility requirements, and coverage limits before purchasing a plan.
Yes. Canadians can extend their travel insurance if they decide to stay longer in the USA, provided they request an extension before their current coverage expires and continue to meet the plan eligibility requirements. Patriot America Plus offers renewable coverage for up to 2 years, making it a suitable option for Canadians planning an extended stay in the USA. Other plans, such as Safe Travels USA Comprehensive, INF Elite X, and INF Premier X, may allow extensions up to 364 days depending on the plan terms and eligibility. Travelers should check the renewal rules, maximum coverage period, and extension requirements before purchasing.
Canadians can buy travel insurance online from trusted travel insurance providers and comparison platforms. American Visitor Insurance allows Canadian travelers to compare and purchase plans for both visits to the USA and international travel destinations. Travelers can compare options from leading providers, including plans for USA trips such as Patriot America Plus, Safe Travels USA Comprehensive, INF Elite X, and INF Premier X, as well as international travel plans like Patriot International and Safe Travels International. Comparing coverage limits, deductibles, benefits, and eligibility requirements helps Canadians choose the right travel insurance plan for their trip.