Texas offers a unique mix of warm hospitality, incredible food, fascinating history, and affordable living that continues to attract Canadian travelers year after year. The Lone Star State is one of the most popular U.S. destinations for Canadian snowbirds, especially those looking to escape the cold Canadian winters. Every year, hundreds of Canadian snowbirds travel to Texas and the broader Sun Belt region of the USA to enjoy its mild climate and welcoming community. With a large Canadian community in Texas, it’s no surprise that many Canadians plan trips here for both vacations and family visits.
However, while traveling to Texas from Canada—especially for those making multiple border crossings—it’s essential to be prepared for possible medical emergencies. The U.S. healthcare system can be very expensive, and even a short hospital stay could result in a significant financial burden. To protect yourself, investing in a comprehensive travel insurance plan is crucial. Having travel insurance for Texas from Canada provides financial coverage for unforeseen injuries, illnesses, or medical emergencies that may occur while in the United States. The right Canada travel health insurance for Texas ensures peace of mind and a stress-free trip.
At American Visitor Insurance, we partner with some of the best U.S. insurance providers offering a range of plans, including Canadian visitors insurance USA, Texas visitor health insurance, and travel medical insurance for Canadian snowbirds. Whether you’re looking for cheap travel medical insurance USA or premium protection for long-term stays, we make it easy to compare quotes and choose the right coverage for your needs.
For personalized assistance, please call customer service at 877-340-7910 or email us. Our licensed insurance agents will be happy to help you find the best travel insurance for Canadian citizens visiting Texas that fits your travel plans and budget.
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.
The cost of US visitor health insurance in 2025 has increasingly impacted disposable income, with a major portion going towards healthcare deductibles, co-payments, and co-insurance. Routine physician visits in the U.S. can cost around $176, while specialized procedures such as an echocardiogram may range from $1,000 in Massachusetts to $3,000 in New Jersey, depending on the provider. Common medical emergencies, such as a Diabetes Mellitus with Hyperglycemia visit to the ER, could cost between $2,500 and $5,000. A stroke requiring ICU care for 10 days could cost $120,000, while heart attack treatment—including ambulance, ER, ICU, EKG, MRI, and ongoing cardiologist care—can cost approximately $20,000. Acute kidney failure treatment averages over $22,000 in the U.S.
Several factors contribute to these high healthcare costs, including significant administrative expenses, advanced technology reliance, labor costs, and the expensive malpractice insurance required in the U.S. system. Hospitals and private insurance companies employ numerous billing clerks to manage the complex billing and insurance processes, adding to overall expenses.
Despite the complexity of costs, it is crucial for Canadian travelers visiting the USA to have visitors medical insurance in the USA. Insurance significantly reduces medical bills if the hospital is part of a PPO network compared to paying out-of-pocket without coverage. Simply having US visitor health insurance substantially lowers the cost of care, providing financial protection during your trip. For Canadians visiting the U.S., having proper health insurance for visitors to the USA is essential to avoid overwhelming medical expenses.
If you are looking for affordable travel insurance for Canadians visiting Texas, some of the best options include Patriot International Lite by International Medical Group and Travel Medical Global Basic from Seven Corners. These plans provide essential coverage at budget-friendly prices, making them ideal for Canadian travelers to Texas who want reliable protection without overspending.
Age: 40 years | Plan: $50,000 | Deductible: $250
Planning a trip from Canada to Texas? Choosing the best travel insurance for Canadians traveling to Texas ensures peace of mind, financial protection, and coverage for medical emergencies, trip interruptions, and other unexpected events. Top recommended plans include:
These Canada travel insurance plans for Texas are designed to cover emergency medical expenses, hospitalization, trip cancellations, lost luggage, and other travel risks. By selecting one of these top-rated plans, Canadian travelers to Texas can enjoy a safe and worry-free journey with complete protection during their trip.
Age: 40 years | Plan: $50,000 | Deductible: $250
Age: 40 years | Plan: $50,000 | Deductible: $250
Age: 40 years | Plan: $2,000,000 | Deductible: $250
The average cost of Texas travel insurance from Canada ranges between $55 and $320. Pricing depends on factors such as the traveler’s age, trip duration, coverage limits, deductible amount, the type of health insurance selected, and whether pre-existing conditions are included. For most Canadian travelers to Texas, there are affordable travel insurance options available for less than a dollar per day, making it easy to protect against unexpected medical emergencies during your trip.
Comprehensive plans typically cost more but provide higher coverage limits, stronger benefits, and additional features like emergency evacuation and repatriation. These plans are ideal for Canadian visitors to Texas seeking peace of mind and full protection while traveling.
The international travel insurance cost per month with a deductible of $250 offers an excellent balance between affordability and extensive protection—perfect for Canadian snowbird travel health insurance or long-term stays in Texas.
| Insurance Plans | Plan Max Range | Provider Network | Age 40 | Age 60 |
|---|---|---|---|---|
| Patriot International Lite | $50,000 - $1,000,000 | IPA Network | $55 - $74 | $121 - $144 |
| Travel Medical Global Basic | $50,000 - $1,000,000 | Visit Wellabroad.com | $56 - $77 | $121 - $159 |
| Safe Travels International Cost Saver | $50,000 - $1,000,000 |  |
$73 - $122 | $159 - $235 |
| Travel Medical Global Choice | $50,000 - $1,000,000 | Visit Wellabroad.com | $84 - $113 | $190 - $253 |
| Safe Travels International | $50,000 - $1,000,000 | |
$107 - $151 | $233 - $346 |
| Patriot International Platinum | $2,000,000 - $8,000,000 | IPA Network | $116 - $158 | $247 - $294 |
Source: American Visitor Insurance®
🇺🇸 Texas, located in the South Central region of the United States, is one of the most popular destinations for Canadian travelers visiting the USA. Known for its diverse culture, rich history, and scenic landscapes, Texas offers an unforgettable experience filled with adventure, southern hospitality, and modern attractions.
🤠 From bustling cities like Dallas, Austin, Houston, and San Antonio to natural wonders such as Big Bend National Park and South Padre Island, Texas showcases a unique blend of urban excitement and outdoor beauty. The state’s blend of cowboy heritage and modern innovation makes it an ideal destination for all types of travelers.
🍽️ Whether you’re exploring vibrant downtown areas, attending a live music show in Austin, or enjoying Texas-style BBQ and Mexican cuisine, the Lone Star State promises unforgettable experiences. Before visiting, Canadian travelers to Texas should purchase Texas travel insurance or visitor health insurance to stay protected during their trip.
🌤️ The best time to visit Texas is between March to May and September to November, when the weather is pleasant and many local festivals and outdoor events take place across the state.
Moody Gardens features three main pyramid attractions — the Aquarium Pyramid, the Rainforest Pyramid, and the Discovery Pyramid. It’s a perfect spot for family fun and exploration.
This museum is known for its commitment to collecting, exhibiting, and educating the public about regional and international art — a must-visit for art lovers.
The Texas State Aquarium in Corpus Christi offers exciting exhibits and educational displays about the diverse aquatic life of the Gulf of Mexico.
Home to one of the world’s most successful flamingo breeding colonies, the Fort Worth Zoo also houses two of the world’s five rhino species — making it a wildlife lover’s paradise.
Canadian visitors to the USA can choose between two types of travel insurance — fixed benefit and comprehensive coverage. Compare Comprehensive vs. Fixed Benefit Visitor Insurance to find the right plan for your Texas trip.
| Feature | Fixed Benefit Visitor Insurance USA | Comprehensive Visitor Insurance USA |
| 💲 Cost | Budget-friendly with lower premiums | Higher cost for broader coverage |
| 🛡️ Coverage | Limited per-condition benefits | Full coverage up to the policy maximum |
| 📉 Deductibles | Higher deductibles, lower premiums | Lower deductibles, more protection |
| 🌐 PPO Network | No PPO discounts | Includes PPO network with reduced hospital rates |
| 💳 Payment Method | Pay upfront, claim reimbursement | Cashless direct billing available |
| ❤️ Pre-existing Conditions | Limited or no coverage | Some plans cover acute onset of pre-existing conditions |
| 👥 Recommended For | Budget-conscious travelers | Travelers seeking full medical and trip coverage |
When Canadians travel to Texas—whether for family visits, business, or a winter getaway—having reliable travel medical insurance is essential. For those with pre-existing conditions, choosing a suitable plan is even more crucial. The following INF travel insurance plans offer comprehensive protection and peace of mind while visiting Texas:
Canadian snowbirds need to understand that provincial health plans offer very limited protection once you are outside your home province or outside Canada.
Most provincial health plans only cover a small portion of medical costs outside Canada. In many cases, coverage is reduced or even suspended if you are away for more than six months in a calendar year.
Always confirm with your provincial health authority how long you can be away without losing eligibility for health benefits. Each province has its own rules.
If you remain in the U.S. longer than your visa or cross-border privileges allow, you may face immigration and tax-related obligations.
For longer stays, consult a cross-border legal or tax advisor to avoid issues with residency status and reporting requirements.
👉 While provincial health care offers security at home, it won’t fully protect you during extended stays in the U.S. That’s why snowbirds should plan carefully both for their health coverage and their legal stay.
While a standard vacation is often brief, snowbirds will generally spend 3-6 months outside of Canada, which means:
American Visitor Insurance serves as a one-stop destination for Snowbird coverage. American Visitor Insurance partners with top-rated U.S. insurers including International Medical Group (IMG), Trawick International, and Global Underwriters we provide Canadians with the best Snowbird travel insurance options conveniently in one place.
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.
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.
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.
Enjoy medical coverage for emergencies, hospital care, and evacuation, backed by leading international insurers and extensive PPO networks across North America and beyond.
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.
Going on a cruise vacation is exciting, but it’s important to protect your investment with the right cruise travel insurance. Travelers often book cruises months in advance, and unforeseen events may prevent them from going. Trip insurance for cruises ensures your vacation investment is protected if your plans change.
Best cruise trip insurance safeguards your pre-paid cruise costs. While most cruise lines offer cruise protection, it usually provides vouchers instead of cash reimbursement. Only comprehensive cruise travel insurance for Canadians guarantees actual monetary reimbursement for trip disruptions.
A standard cruise protection plan may give vouchers if you miss the cruise, but trip insurance for cruises ensures money back. This is especially important for seniors, who are more likely to require medical or travel assistance while on cruises.
Vacationers can maximize protection by purchasing Cancel for Any Reason travel insurance. This benefit allows you to cancel your
cruise for any reason and receive up to 75% reimbursement of non-refundable expenses. Standard cruise protection plans offer limited coverage, making best cruise travel insurance plans for seniors essential for older travelers seeking financial and medical security.
Many Canadians visit Texas several times a year for vacations, family visits, or business trips. Instead of buying single-trip policies each time, an annual multi-trip insurance plan offers ongoing protection and savings.
Why Choose Annual Multi-Trip Insurance?A couple from Canada, aged 64 and 61, were visiting family in Texas with travel insurance purchased from their home country. Their policy was about to expire, but they decided to extend their stay by another 20 days and needed continued medical coverage during that period.
Since their Canadian insurance could not be extended from abroad, they needed a short-term U.S. visitor insurance plan that:
We recommended three popular comprehensive visitor insurance plans suitable for travelers already in the U.S.:
Yes. Snowbird Visitors and tourists to Texas can all buy travel health insurance in the US. We recommend the travel insurance for Canadian snowbird visitors to be purchased from the day they leave their home country until they return, however, most companies allow you to purchase it even after the traveler has already started their journey.
Snowbird travel medical insurance is for unexpected medical expenses while on your trip. Many travel insurance for Canadian Snowbirds to Texas also cover baggage loss/ delay, trip delays, and have other benefits to help travelers with unexpected problems (loss of documents, etc). Since they are meant to be used in an emergency, you can use any doctor/hospital. In a non-emergency situation, you should consult your documentation and try to stay in-network (if applicable) while in the US since this will likely help defray your out-of-pocket cost.
Often health insurance from a home country will not cover Snowbirds while they are traveling in a different country. If they are in a country with high medical costs such as the US, they should consider purchasing international travel insurance in case they should need any medical care. The Texas travel health insurance for Canadian Snowbird tourists will help defray costs and also often has many travel benefits (trip delay, trip interruption, baggage loss) that will also assist a traveler in getting back on track with their trip.
Snowbird Tourists can use Urgent Care clinics, make appointments at a doctor's office or go the the hospital, if needed. However, they will have to pay out-of-pocket for any and all medical care they receive. This is why we recommend getting a travel or US tourist health insurance for Snowbirds for the duration of their stay.
In the event of a covered incident, contact your travel insurance provider's claims department as soon as possible. They will guide you through the claims process, provide the necessary documentation requirements, and assist with reimbursement procedures
The long-standing rule for Canadian snowbirds is that they are allowed to stay in Texas for up to six months at a time on what is known as a B1/B2 visa
Coverage for pre-existing medical conditions varies among insurance providers. Some policies available on American Visitor Insurance offer coverage for pre-existing conditions, others for acute onset of pre-existing ailments while some others may exclude them or require additional coverage. It is important to compare the different pre-existing conditions coverage on American Visitor Insurance and review the policy terms to understand the coverage provided
Texas universities and community colleges attract a growing number of Canadian students every year, especially to prestigious institutions like University of Texas at Austin (UT Austin), Texas A&M University, and Rice University. Since medical care in the U.S. is expensive, having the right student health insurance for studying in Texas is essential to manage unexpected healthcare costs and meet Texas student visa health insurance requirements.
Canadian students can compare and buy affordable student insurance for studying in Texas that:
Canadian students studying in Texas cannot enroll in standard U.S. citizen health insurance plans. However, several international student health insurance plans for Texas are available through our website.
While Texas universities often offer institutional student health plans, these can be expensive. In contrast, international student insurance for Canadian students in Texas provides similar coverage at a lower cost. Plans may include benefits such as coverage for pre-existing conditions, maternity, mental health, and sports injuries, depending on the chosen policy.
Canadian students studying in Texas can conveniently buy student health insurance online. The most popular and trusted providers include IMG and Global Underwriters.
Global Underwriters plans are ideal for students who participate in athletics, as they include optional collegiate sports coverage for injuries sustained during sports activities.
IMG offers flexible international student plans such as:
The Patriot Exchange plan is affordable, while the Student Health Advantage and Platinum plans offer extended benefits like maternity and mental health coverage. Plans can be purchased for full months and will automatically end when students return to Canada.
Guide to buying the best international travel insurance for USA.
Learn More »Tourists, Cruises, Students, J1 visa, OPT status, Immigrants...
Learn More »Planning to spend the winter in Texas? Make sure you have the right Canada snowbird health insurance for Texas with coverage for pre-existing conditions and emergency medical care. Choose from affordable fixed-benefit and comprehensive policies to stay protected while enjoying the warm Texan climate and hospitality.
Top-rated Texas travel insurance plans for Canadians include Patriot America Plus and Safe Travels USA. These plans can be purchased before leaving Canada and extended for flexible durations — ideal for Canadian snowbirds visiting Texas.
If you prefer more economical options without COVID-19 coverage, consider Patriot America Lite and Safe Travels USA Cost Saver. These are among the most popular choices for Canadian travelers to Texas.
For snowbirds with heart or stroke concerns, plans such as Safe Travels Elite and Safe Travels USA Comprehensive provide up to $25,000 in cardiac and stroke emergency coverage for travelers under 70, and $15,000 for those aged 70–89.
With a wide range of health insurance options for Canadians visiting Texas, travelers can easily find a plan that matches their medical needs and budget. For professional assistance, call our licensed agents to compare Texas travel medical insurance for snowbirds and enjoy peace of mind during your stay in the Lone Star State.
Fixed benefit or scheduled benefit plans are the most affordable travel insurance plans.
Learn More »International travel insurance plans covering pre-existing conditions which many older travelers look for.
Learn More »Compare quotes online for best travel insurance online, Fixed vs comprehensive travel insurance USA.
Learn More »Compare and buy the best travel medical insurance plans online.
Learn More »There are many cheap international insurance plans also known as visitor insurance plans.
Learn More »Coinsurance & Deductible - How visitor travel insurance works.
Learn More »
👉 Learn more about how to protect yourself while traveling as a Canadian Snowbird: Know more »
Provides coverage for multiple trips within a specified period, typically one year.
Read more »Travel insurance designed for older individuals, often referred to as "snowbirds".
Read more »Provides coverage for individuals with pre-existing medical conditions, particularly for "snowbirds".
Read more »Snowbird travel insurance
Canadians to USA
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