Travel insurance to USA from Canada

Vancouver, Ottawa and Edmonton who visit the southern states of the US (Florida, Texas, California, Arizona ...) to enjoy warmer climes during the winter months.

Whether you are visiting for a few days, staying as a student for several years, or spend part of the year in a winter home, we can find the perfect US travel insurance from Canada plan for you!

Canadians coming to the US regularly, or living either in the US or Mexico for part of the year might want to consider our Global medical plans. The applications for travel insurance for Canadians visiting USA are however reviewed by an underwriting team and applications can have riders or exclusions for certain existing ailments.

These global plans offer superior coverage including preventive care and pre-existing condition coverage and can be renewed for longer periods compared to the shorter-term visitor insurance plans. These global insurance plans can be purchased annually, with payment options available on a monthly, quarterly, semi-annual or annual basis.

Given their geographical proximity and shared border, travel between the U.S. and Canada has been ongoing since the 19th century. The United States, with its multicultural society, iconic monuments, and natural wonders, remains one of the most desired tourist destinations. It continues to be a significant destination for work and leisure for Canadian emigrants. According to the 2022 U.S. Census data, over 821,322 Canadian-born individuals live in the United States, with many becoming naturalized US citizens.

Given this strong and long-standing relationship between the citizens of both countries, we often have family members of naturalized Canadian-Americans visiting the United States. Along with reuniting with family members, millions of tourists also travel to the United States from Canada.

In 2019, there were approximately 23.41 million visits to the US from Canada. After a decline during the pandemic, the travel numbers rebounded to 20.4 million in 2022, generating $20.5 billion in tourism spending and supporting over 140,000 jobs in the US.

Meeting family, friends, and relatives in the US is always thrilling and pleasing. However, one must note that the US healthcare system is not government-supported and is very expensive. Traveling to the US with long travel hours and in different weather conditions, food, and culture can be risky. This is particularly true for older travelers as it increases the risk of unforeseen medical emergencies.

US visa medical insurance cost is has increasingly reduced the disposal income with a major portion of the income going to health care deductibles, co-payments and co-insurance. 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 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.

During the winters the US welcomes many Canadian snowbirds to travel to the US to enjoy the summer months and many of these live in the US. According to the Statistics of Canada there are at least 375K Snowbirds who go to the US each year. Often these family members of these Canadian–Americans visit the United States to meet their closed ones. Along with reuniting with family members millions of tourists arrive in the US from Canada.

An good international travel insurance plan provide one with the coverage required for any unexpected medical and travel emergencies. It is therefore of vital importance for Canadian travelers to buy good travel insurance USA from Canada offered by some of the finest US insurance providers offered by American Visitor Insurance. For any assistance travelers can call the customer service or email us and we will be glad to help you.

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.

Canadian students in the US should buy proper student medical insurance given the high cost of healthcare in the US. While most Universities insist that students buy the University insurance, some universities allow students to buy insurance outside the college as long as it satisfies certain guidelines.

The international student insurance plans that we offer are cheaper than most University plans while being comparable in coverage. Canadian students on the OPT status will find our OPT student insurance plans particularly attractive given their affordability and coverage.

These travel insurance to USA from Canada plans have limitations for travelers or students located in Canada: